Other Avenues to Get Capital for Small Business

If I hear it one time a week I hear it ten times (well maybe an overstatement there) but anyway I hear it weekly.  And if you work in the business development/economic development field of helping small business owners and future owners then you do to.  There is simply no way around it - you are going to hear it. What is it you ask?  The statements "No bank is willing to lend to me." or  "I can't