Banks have been reluctant to lend money to startups and small businesses, but that doesn’t mean funding is unavailable. The truth is, even before the financial crisis, banks were holding back. According to  The State of Small Business Lending: Credit Access during the Recovery and How Technology May Change the Game, the economic crisis from which we are emerging only accelerated the banks’ reluctance to lend. But luckily for startups everywhere, the void left by banks has been quickly filled by online financing options.