As small businesses look for more assistance in starting and improving their companies, many banks are tightening their standards for giving out loans. In fact, only 2 percent of banks have loosened their standards for loan giving, according to a new survey by the Federal Reserve.

However, securing loans may just be a matter of earning the bank's trust with a detailed business plan.

Reducing the apparent riskiness involved in lending a business money is very important, said U.S. Better Business Bureau spokesperson Alison Southwick. "This includes creating a comprehensive business plan and devising a solid strategy to pay the bank back."

One small business opportunity could come from talking to the U.S. Small Business Administration. The federal agency provides free counselors in every state, and speaking with one may enhance a business' likelihood of receiving money.

The Better Business Bureau suggests "starting with who you know" and reminds small business owners not to discount loans from small, locally owned banks.

Small business owners can also review their credit histories, invest in their own companies, create comprehensive business plans and develop payback plans to make a good impression on lending banks.

President Obama renewed his push for small business lending last week, working with senators on new legislation that would create a $30-billion fund for small community banks to give to small businesses, according to CNN.

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