It will prove to be the best single thing that could possibly happen for the struggling economy if the current trend of credit loosening continues. With tools like unsecured business funding and a variety of small business loans, the creativity and ingenuity of the American people will continue to prevail. we have accomplished this before and most certainly will again. The frame of mind of the people is the most important factor in recovery. The attitude of the lenders must give cause for hope and help the actions of the people flourish.