LOS ANGELES, April 22, 2013 /PRNewswire/ -- Since its release earlier this month, the U.S. Treasury's Use of Funds Report for the Small Business Lending Fund has generated headlines for illustrating a marked increase in federal small business lending. The federal efforts to spur small business should come as no surprise, as the effectiveness of loans offered to small businesses has already proven successful by the innovative financial experts at Advantage Capital Business Loans. ACBL is among the first lending firms to recognize the challenges facing small and medium-sized businesses looking to grow through financing their businesses. In today's economy, the question of how to get a small business loan provides few easy answers, as most traditional lenders and large banks have adopted rigid underwriting practices that favor large multi-national corporations that they believe will present the least amount of risk. ACBL was created specifically to serve the unmet financial needs of small and medium-size businesses by creating simple business loans that favor firms with fewer than 100 employees. The Treasury's Use of Funds report showed that participating community banks and community development loan funds have continued to increase their small business lending through the program by more than $8.9 billion over the baseline and $1.5 billion over the prior quarter. Not only is the increased federal funding good news for business owners who are desperately in need of small business loans, but it is also another example of how important ACBL's small business lending can be for ensuring overall economic health. Anyone who has applied for a loan in recent years is all too aware that in reviewing applicants, traditional lenders put a great deal of weight on a few select factors, including personal credit, value of collateral and debt to income ratio. This model has helped traditional lenders to raise their efficiency, but they've done it by creating a system that leaves many promising small businesses unable to gain loans that are necessary to accomplish even the everyday operations of business. Bucking this shortsighted trend, ACBL has elected to put most of the weight on a business's efficiency and potential. Furthermore, the entire funding experience at ACBL is usually between two and five days – a highly appreciated change from the long, drawn out underwriting process at big banks.