Bankers have long complained about the Small Business Administration, griping about paperwork and lamenting long waits for approvals.

But faced with an onslaught of competition, bankers have begun to reconsider their views about SBA loans. With nonbank lenders such as the Money Store increasing SBA lending tenfold in the last decade, banks have begun to feel that it's better to shut up and make the loans than to whine about them.

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