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Why 8 Major Banks Just Closed Silver Desks | They See What's Coming ( Exit Pattern Activated )

This is the capital paradox. In 2025, small business revenues are up. Demand for equipment, inventory, and hiring is surging. By every traditional metric, banks should be lending aggressively. But they’re not. Small business loan approval rates have dropped below 15%. So what’s actually happening? It’s not that your business suddenly became risky. It’s that the banking system changed. Basel III—an unsexy regulatory framework most founders have never heard of—is forcing banks to hold more capital