Has the state of small business lending gotten better or worse since last year? The answer depends on who you talk to. Confused? The answer to the question \u201cAre banks finally starting to lend again?\u201d also varies based on what\u2019s being written and where. Even Small Business Trends' own Scott Shane weighed in. For example, according to a recent survey given to members of the International Franchise Association, 39 percent of franchisors report that more than half of their franchisees and franchise prospects are unable to obtain needed financing \u2013 up from 33 percent in a similar survey last November. Only 5 percent report their franchisees and prospects have had no difficulty with credit access, compared to 8 percent in the November survey. Compare that negative news with a story I just read in the Dayton Daily News about Chase Bank: "Chase said Thursday it loaned $505 million to small businesses in Ohio last year, marking a 30 percent increase over 2009." The article also stated that according to bank executives, Chase made loans to 9,800 small businesses with annual revenues of less than $20 million. Even more positive was the fact that Chase (according to the article) added more than 500 business bankers and created what it calls a \u201csecond-look\u201d program to look for ways to extend credit to companies whose initial loan requests were rejected.\u201d (Read The Dayton Daily News article.) An increase in small business lending in Ohio, which is a state absolutely ravaged by the economy, is certainly great news. But let\u2019s go back to the IFA survey again: "60 percent of franchisors say they have seen no improvement in credit access in recent months, compared to 65 percent who reported the same conditions in the November survey.\u00a0\u00a0Only 3 percent report they have seen a significant improvement in credit access compared to 1 percent in the November survey." You can read the IFA survey for more information. Do you see what I mean? Now, it\u2019s not like The White House and the Small Business Administration aren\u2019t trying to help improve small business access to capital. There\u2019s Startup America, which is the White House initiative to "celebrate, inspire and accelerate high-growth entrepreneurship throughout the nation." As was explained in a recent private conference call with the Small Business Administration (several Small Business Trends writers were invited), the SBA\u2019s Reducing Barriers website was created so that anyone can submit their answer to this really important question, posted right on the website:\u00a0"What concrete ideas could reduce federal barriers for entrepreneurs trying to start and scale companies?" One look at the ideas submitted to the site so far shows that most of the ideas have to do with improving access to capital. Recently, the Business.gov website was merged with the SBA.gov website and totally revamped. The focus of the new site is easy access. The Small Business Administration is really trying to make the process of getting capital a lot more streamlined. The new site is a lot friendlier to people who are looking for information about getting small business loans (or any kind of small business information). All they have to do to get started is go to the section of the site named SBA Direct and type in their ZIP code. Go ahead and try it. Not only is the SBA trying to make things easier for current and future small business owners, they're trying to make things a lot simpler and more streamlined for banks, too. They recently rolled out a section of their website devoted solely to lenders --\u00a0The SBA Lender Toolkit. Look at what it includes: Find a Loan Package, which allows users to select a loan type and download all the associated forms so they can prepare more accurate loan applications Find a Service Center, which enables the lender to search for service centers based on loan processing parameters, loan type and stage Lender FAQs, which helps lenders get answers about the SBA's approach to financing and underwriting loans Weekly Lending Report, which provides updates on interest rates and important lending news The SBA is certainly going out of its way to cut out some of the bureaucracy that has existed for years and get things moving in the right direction. The credit crunch has been going on for a solid two years now. It feels like the entire small business community has been mobilized to get the lenders lending again. Let\u2019s hope that they start doing what they\u2019re paid to do -- lend.