Most business experts are of the view that itâ??s time to obtain a good loans including Bad Credit Loans from the market, because legislation and the recovering economy are the factors encouraging the commercial lending to a great extent. Small Business Jobs Act 2011, has played a vital role in this field, over 30 Billion dollars have been floated in the market for lending to small businessman trying to increase their profitability and in need of funding. The lenders are acquiring good money on nominal interests, as low as 1% and providing financial helping hands to business community, a positive step in the financial market. Community Banks are also being helped with such financing as most businessmen prefer them for obtaining loans. The State and Regional development Agencies are not far behind; they have also launched a programs for funding small businesses. They are doing so for those who are facing comparatively difficult economical situations and in selected sectors in the markets.