This is an intriguing snippet from the IFA's Small Business Lending Summit. I would have liked to seen the break-out of remodel and upgrade costs from Calderia. We are likely going to see remodel and upgrade "holidays" if the franchisees cannot get the financing.

The housing market is going to take probably a generation before it becomes accessible as an ATM again. I don't see what the new sources of collateral are, and where they are coming from.

The basic problem for franchisees is that many of them are not seeing their usual loyal customers - they have become price shoppers. Loans cannot fix that supply problem.

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