It may not be Ronald Reagan's federalism, but a small business loan program offered by Oregon has bankers saying it is easier to use and better than those offered by the U.S. Small Business Administration.

Copied from a program in Michigan, Oregon's Capital Access Program was designed to provide loan portfolio insurance to banks willing to lend to small businesses located in the state. Four years after its implementation, the program is winning praise from lenders for its flexibility and simplicity.

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