Here is an idea to capitalize small businesses using Financial Markets instead of SBA loans and Small Banks. There is a break down in the system. First the process is too bureaucratic since it is supervised by a government agency. Often taking 30 plus days with all the required paperwork. Typically dumb loans are made and better loans are never made due to percieved minority status loan making. Then the SBA, SBDC, Chambers of Commerce and local economic development groups PR the loan and instant.