Following many years of increasing regulation which strains financial institutions both operationally as well as from a profitability perspective, it seems that the current environment may allow for less regulation, reduced operating costs and perhaps influence the merger and acquisition landscape for the industry. For someone seeking a first time loan, I would recommend that they know their business and borrowing needs well, ask lots of questions, surround themselves with knowledgeable and engaged internal and external business partners and explore the help and benefits available through the SBA.