Sybase Under Pressure To Shake-Up

You might need to broaden your approach and choose a bank with a name and client base that matches your business.

"Look for smaller banks that may be more willing to base their decision on an assessment of your ability to repay (and your good personal history) and more interested in serving small businesses in the community than bigger, well-known banks," says Janet Attard, founder and president of Business Know How.

Options in your area include Heritage Oaks Bank, Rabobank or Santa Lucia Bank.

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It's starting to sink into my head," Brace said at McCormick Place, adding that small Chevrolet cars also would be on his list.

Even as GM and other domestic manufacturers produce higher-quality cars and trucks, they continue to lose money and customers to Toyota, Honda, BMW and other foreign brands, underscoring the struggles they face.

GM's loss was mainly due to a huge write-off of deferred tax assets, but it also said it would offer buyouts and early retirement incentives to all 74,000 U.S. union workers in a renewed bid to lower operating costs and bring production capacity in line with shrinking demand.

The company made money last year around the world except in its most crucial market, North America, where GM continues to trim to offset declining sales. read more