According to a new analysis released by the Small Business Association (SBA), the nation’s largest lenders have been decreasing their small business loans, and at the same time, they have  been increasing their credit-card lending.

An article on BusinessWeek.com reported that “the total value of small business loans outstanding increased 4%, to $711 billion in the 12 months ending in June 2008. That’s half the growth in small business credit than the SBA reported the year before.”

Some say the rise in small business credit card use may reflect a “changing demand for small business credit.” Many of the small businesses (internet companies and home-based businesses) in operation today simply don’t need a larger line of credit because they don’t have a lot of physical assets.

Click here to read the entire article: The SBA Sees a Lending Shift.