# Can banks win back small business customers?

Page: https://stenobird.com/podcast/the-banker-next-door-6597036/can-banks-win-back-small-business-customers
Text version: https://stenobird.com/podcast/the-banker-next-door-6597036/can-banks-win-back-small-business-customers.md
Podcast: [The Banker Next Door](https://stenobird.com/podcast/the-banker-next-door-6597036)
Published: 2026-05-01T16:00:00+00:00
Episode link: https://joeberq.podbean.com/e/can-banks-win-back-small-business-customers/
Audio file: https://mcdn.podbean.com/mf/web/tydz8vudnvhicmtn/Can_banks_win_back_small_business_customers8qa74.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/the-banker-next-door-6597036/episodes/can-banks-win-back-small-business-customers
Duration seconds: 1105

## Resource

According to the Federal Reserve Small Business Credit Survey 2025 small to medium size businesses (SMBs) have some lending gaps. 49% of SMBs have unmet financial needs or experienced a financing shortfall. 46% felt lender requirements were too strict. Business lines of credit remain the most sought-after lending product. Community banks share of SMB lending market has been decreasing over the years, going from 39% in 2020 to 28% in 2025. Applicants who turned to online lenders prioritized the speed of the application process. Applicants regularly choose their lender based on relationship. Borrowers’ expectations and perceptions don’t always coincide with reality. This episode reviewed a blog post from PCBB titled “How CFIs can win back SMB lending.” A link to the blog post is included below. Link: How CFIs Can Win Back SMB Lending

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-banker-next-door-6597036/episodes/can-banks-win-back-small-business-customers/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/the-banker-next-door-6597036/can-banks-win-back-small-business-customers.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.