Problem: Many small business owners may claim that banks will only loan them money when they don't need it. The reason for this may lie in the fact that many small businesses are perceived as high-risk entities; an argument that owners of such companies will fully reject. In a paragraph or two, elaborate on claims like these made by small business owners. Are banks right in not extending credit to small businesses? Don't small businesses need a break, too? Discuss your reasoning regarding these issues in 1 to 2 paragraphs.