"Banks Loaning Money to Startups does not Create Jobs. One of the keys to failure in starting a business is borrowing startup funds. Why ? Because startups never work on a schedule and loans always have to be paid back on schedule. It’s a huge mistake to borrow money from a bank to get a business going, yet our politicians seem to think that more bank lending to startups is a key to creating new jobs. It’s not. In fact, banks are smart enough to realize that unless they can pawn the loan onto someone else, like the Small Business Association, there is no good reason to loan a startup money. Bank loans to startups are job killers, not creators."