LOS ANGELES, Sept. 19, 2013 /PRNewswire/ -- In today's economic marketplace, the loan experience at Advantage Capital Business Loans serves as the most effective method for small business CEOs to achieve their economic goals. Thanks to ACBL's innovative lending model, those who run modest-sized businesses can expect to find fast, easy business loans with a high approval rating, providing an essential injection of capital when it's needed most. In fact, their small-business focused underwriting process ensures that, even for promising entrepreneurs with no credit or bad credit, small business loans are available with a manageable payback period and fair, customized terms. For the first time since 2008, banks are lending more than they did in 2008, thanks in part to higher profits and healthier balance sheets at many major US corporations. In fact, the average return on assets, a yardstick of profitability, raised to 1.17% from .99% a year ago – a notable sign of positive progress. Yet, for small and medium-sized businesses, the numbers tell a significantly less positive story. Even while lending has increased for large companies, data from the Federal Deposit Insurance Corporation (FDIC) show a 19.1% decrease in small business loans of $1 million or less since the start of the recession in 2007. Further complicating matters, the $30 billion federal Small Business Lending Fund launched in 2010 has already proved ineffectual, having dispersed only $4 billion; many blame overly stringent requirements and the Treasure Department's sluggish approval process. While the news remains largely disheartening for small business entrepreneurs, it also serves as yet another indication of the exceptional value offered by the innovative lenders at ACBL. With principals who hail from a small business background, the team at ACBL understands from first-hand experience the specific needs of small business owners. In particular, they know that when small business CEOs seek out additional financing, it's most often in order to handle an immediate issue, one that may even jeopardize the future of the entire company. That's why, at ACBL, the entire funding experience only takes between 2 and 5 days, ensuring that a serious financial concern that arises on Monday can be averted entirely by Friday.