Recent government reports revealed that 40 percent of all small business lending is made by financial institutions $1 billion or less in size, according to the Times of Northwest Indiana.

What's more, companies that sought commercial loans from a community bank were more likely to get them, as community institutions continued lending during the height of the recession – a time when many of their larger counterparts eliminated or cut down their lending activity.

It appears the worst of the economic downturn is now in the rear-view mirror. With interest rates lower than they've been in a while, it's a good time for small business owners and prospective entrepreneurs to sit down with a financial services adviser and consider their options. Those who already own a company or are looking to launch a startup can explore the possibility of securing capital to purchase real estate or equipment, as well as getting financial tips to help maximize the success of their enterprises.

Swing by your local My Bank branch, call 1-888-mybank4 or visit to pick the brains of our advisers. They have expertise in cash management, lending, business real estate and more, and are happy to help.