Ask a bank for money to expand your restaurant business and you learn its loan officers seem trained to look for reasons to say “no.” Make that same request at a credit union and you get the feeling its loan officers look for a reason to say “yes.” Which is why you should hope that the U.S. Congress passes a bill that would raise the cap on credit union small business lending. Right now, there are few restrictions on how much business lending banks can do. But ...

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