I own a small business. I don't take loans to make payroll. But occasionally

[Bread and Circus]

I need to make my federal tax payments via credit because they can sometimes be in big disbursements ( I don't always have $10K+ laying around).

If Obama and the gang want to keep me afloat, rather than giving me a means to borrow, how about they forget I owe them taxes this year? ;)

[Venceremos]

1. I second that idea

Same here, I own a small business and don't use credit except for federal taxes.

[PsN2Wind]

2. A company that has to always borrow to meet payroll

is on pretty shaky footing already. A small manufacturer I worked many years for has every damn family member on the payroll in one capacity or another and still made payroll out of their operating fund.

[Bread and Circus]

3. Exactly. That's what I think every time they mention that.

[Born_A_Truman]

4. When clients stop paying, or pay late, and vendors want paid...

or vendors stop extending credit (ie-net 30 days) and cash upfront is required, you'll see lots of small businesses go belly up.