KANSAS CITY ( TheStreet) -- Companies more than a year old lose a combined average of 1 million jobs a year in the U.S. New firms add a combined average of 3 million jobs.So says a report by the Kauffman Foundation, which included information from 1977 to 2005. "If you really want to have a jobs agenda, then put money into expanding capital for startups," says Tom Ruhe, director of entrepreneurship for the Kauffman Foundation. "Without dispute, that is the job-creation engine in this country." Yet, several factors stymie startups: 1. Small-business lending remains tight Bank loans to small businesses dropped from $710 billion in the second quarter of 2008 to less than $670 billion in the first quarter of 2010, according to the Federal Financial Institutions Examination Council. "The biggest problem for
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