Commercial bank consolidation reshaped how business loans are approved. Here’s why access to capital feels tighter and what comes next in 2026.
Rate cuts don’t make business loans easier to obtain. Underwriting has tightened while renewal risk rises. Middle market companies need a capital strategy now.
Banks are quietly tightening internal risk ratings even for strong borrowers. This hidden shift will determine credit access, pricing, and structure in 2026
Banks are changing the business loan rules by tightening underwriting standards and shortening timeframes. Middle-market companies must adapt their financing strategy now or face access gaps in 2026.
Strategic capital financing solutions for high-growth businesses and private equity partners.
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