Finally, while some observers have argued that banking consolidation and other aspects of the modernization of the banking industry and financial markets raise concerns about the supply of credit to small business, the market for small business loans in fact seems to work rather well.
If there is a merger or other event that reduces the supply of profitable loans to small businesses, other banks seem to step in and provide this credit, and there is every reason to expect that such responses will continue in the future. BIS Review 57/1997