home

Unconvention

Blog

Speaking

Reading List

Contact

Small Business Financing Is Broken

Small Business Financing Is Broken

The SBA tightened the gate. JPMorgan promised rescue. Neither is helping the businesses that need it most.

April 7, 2026

The SBA promised less bureaucracy under new leadership, then raised credit score requirements, tightened collateral rules, and restricted immigrant ownership — making access harder for the businesses most in need. JPMorgan's $80 billion American Dream Initiative sounds transformative, but its reach stops at businesses already close to qualifying. This piece examines who actually gets turned away and proposes three concrete fixes: a policy-caused injury loan program, a fuel cost offset for high-exposure operators, and cash-flow underwriting as the SBA standard.


Latest Articles

Archive

Search Archives

Copyright 2026

Sri Kaza