Lending

While the Urban Institute calls the statistic alarming, it says the ratio is not a new trend.

Nearly 77% of small business owners surveyed say they've never applied for a business or personal loan. Most say they don't want the debt burden.

Nearly 77% of small business owners surveyed say they've never applied for a business or personal loan. Most say they don't want the debt burden.

Credit unions pump up loan balances by promoting credit card balance transfer offers.

Growth comes mainly from smaller loans banks don't want to consider.

Growth comes mainly from smaller loans banks don't want to consider.