Commercial Financing

With the change in market conditions, traditional financing has gone by the wayside.  My direct conversations with local banks reveals none of our local banks are ready or capable to step up to the plate to offer local financing to local developers.  We have even had difficulty in finding small dollars for tenant improvements & typical start up costs for small businesses.  A few of the larger banks like U.S. Bank, Keybank and Wells Fargo are at least willing to have the conversation.  Certainly we want prudance in providing financing, but the pendalum has swung too far.  The economy seems to be in the dilema of the chicken and the egg.  If I have misspoke and we have a player in the financial world, please let me know.