"Oftentimes, small business owners are unable to obtain reasonably priced financing and instead turn to higher priced forms of capital, such as credit cards"

This quote by Melissa Bean speaks with the trouble that small business owners often deal with when attempting to obtain funding. It recommends that small business owners are often unable to access fairly priced financing, and rather have to turn to more expensive types of capital, such as charge card. This can be a major barrier for small business owners, as the high rate of interest connected with credit cards can be hard to handle and can result in monetary pressure. This quote highlights the significance of providing small business owners with access to fairly priced funding, as it can be a major consider their success. It also acts as a pointer of the requirement for banks to provide small business owners with the resources they require to succeed.