Small businesses hold off spending while waiting for aid - USATODAY.com

Small businesses hold off spending while waiting for aid - USATODAY.com: "•An increase on government guarantees to as much as 90% on some of the most popular loans. That would mean a little less pressure on banks if a company defaults, because the government would insure a larger percentage of the loan, says Coleman. With current guarantees topping out at 75%, 'there is a bit more exposure' for banks, he says.

•Community banks with assets of $10 billion or less would be able to tap into the $30 billion fund when making small-business loans. About 8,000 banks would be eligible.

•Small businesses would get about $18 billion in tax breaks, such as larger write-offs on capital equipment investments, and get credits for new hires."