Despite the nation experiencing an unprecedented level of small business optimism, access to credit will ultimately boost or limit economic growth within this high-impact sector, according to new research.

The study “Gimme Credit: Faster, Simpler, Safer Credit for Main Street America,” a joint effort from Skokie, Ill.-based PayNet, a provider of small business credit data and analysis and  Lombard, Ill.-based Raddon, a Fiserv company and provider of innovative research, explored factors contributing to small businesses’ access to credit, and proposes lending best practices to increase economic output of these companies.

The good news, according to the study, small businesses are on an upward trajectory:

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Roy Urrico

Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).

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