PSA in entirely personal capacity: if you are a small business with a credit line and you think you may need it, you may want to draw in advance of need to maintain optionality. Some lenders are actively reducing their books due to the perception that credit quality is impaired.
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Ah. Some states have nudged nonbank lenders too but not to the same extent and to my knowledge only NYS has said prudent measures to help customers won’t be subject to examiner criticism
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