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Samira Rajan is being realistic about the possible shift in small business activity likely to occur when the economy returns to a robust and healthy state.

As CEO of the $9 million Brooklyn Cooperative Federal Credit Union, she’s seen a steady rise in queries from firms turned down by big banks for loans and lines of credit increases. The CU recently closed on a $50,000 loan for a strong-performing nonprofit group caught in the unexpected grip of not being able to make payroll. Other larger businesses have sought out the cooperative for loans that are just not doable because of the industry’s lending caps.

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