This question often plagues small business owners. Funding is not hard to come by these days but there are always strings attached, especially to unsecured sources of funds. This type of funding is available with no need to furnish guarantee or collateral and may tempt businessmen who are faced with cash crunches every now and then. The largest banks will try to prove quickly they are in compliance. In the back corridors, some will fret that while it makes big banks stronger and much better able to endure stress or extreme scenarios, it is yet another threat to banks’ dwindling returns on equity (ROE).