I recently met with Alan Lane-Murcia, Small Business Administration (SBA) Coordinator, Mutual Bank, (www.mutualbanking.com) who provided me with some excellent insight into the recent “Credit Crisis”…He works exclusively with SBA loans and reiterated that due to this program, there are options available for Small Business Owners.  This was very encouraging given all of the “doom and gloom” we have heard lately.  In addition, he reminded me about “The 5 C’s of Business Credit”: 1. Cash Flow 2. Capital 3. Credit 4. Character 5. Collateral.  Alan can be reached @ amurcia@mutualbanking.com.