Why small business lending keeps coming up

It is the sort of thing that seems settled until you look at the detail.

Where the confusion starts

Nobody is required to explain this to you, which is half the problem. The practical effect is easier to see in a single example than in a summary.

Where to go from here

The exceptions matter more than the rule, and there are three of them. There is a deadline involved, and missing it costs more than the difference.

The exceptions

The exceptions matter more than the rule, and there are three of them. Nobody is required to explain this to you, which is half the problem.

The short answer: check the date, then check the figure, then decide.