Wasn't it Hillary Clinton who once said that she couldn't be bothered with companies that were under capitalized? I've got a nasty feeling that we're going to be seeing just how many of the small businesses that make up the life blood of the US economy go under for just this reason.
I know that a company that I once worked for, a computer system VAR never could have made it had their line of credit dried up. I remember as the company was growing, we had 2 banks that gave us credit lines of half a million each, and a 1 million dollar line through TRW. Our problem was pushing the limit every month. The company was never late on paying off the credit lines, but near the end of the month, the amount of available credit to purchase additional products for our customers would get uncomfortably tight.
Thankfully it didn't and in just 8 years they went from sales and service of about $100,000 a month to roughly $2 1/2 to $3 million a month. They never could have grown like that without the credit line being available and growing along with the company.
Mark