LOS ANGELES, July 29, 2013 /PRNewswire/ -- While common wisdom dictates that the U.S. is in an economic growth period, as any small business owner is well aware, our current economy has a long way to go before it can be considered truly healthy. Business loans are increasingly easy to come by for large, multi-national corporations; while for small business owners, a wildly competitive global marketplace is made even more difficult by hostile lending practices by traditional lenders and big banks. However, with a strategy that stands in distinct defiance of these harmful business practices, Advantage Capital Business Loans regularly offers simple, fast business loans that are specifically designed to aid small business owners when they need it most. At the esteemed Los Angeles-based lender, even no-credit or bad credit small business loans can be found, thanks to their effective underwriting process that first and foremost values a business's efficiency and potential. Financial analysts received a harsh dose of reality with the recent announcement by the Small Business Administration's Office of Advocacy, reported by Bloomberg Business Week, stating that small businesses are still struggling to get bank loans – even as large companies find borrowing restrictions increasingly lax. The SBA report illustrates that at the end of June of 2012, approval of business loans of less than $1 million had declined 3.1% since June of 2011. The disparity between large and small business lending is made even clearer when one takes into account the fact that the $1.9 trillion in large business loans in 2013 represents an increase of 12% from lending in 2011. While this intensive analysis of the data illustrates that the situation at big banks and traditional lenders is even worse than many imagined, thanks to ACBL, there can still be reason for optimism. The managers and loan officers at large banks insist that the risk involved in lending to small business is too great to make it worthwhile, but ACBL is proving that small business lending can prove exceptionally beneficial, allowing both parties to thrive in the long run. By creating an innovative model for underwriting that is drastically different from that of traditional lenders, the founders of ACBL are able to offer every loan recipient the opportunity to achieve their financial goals with a loan that is fair, manageable and custom-made.