Interesting editorial in this morning’s Wall Street Journal.

Here’s the issue:

President Obama is attacking the banks, encouraging them to “lend more.”  He says (to banks) “you are making too much money and “you guys caused the problems.”

In my discussions with small business owners, its not “bank lending” that is at the core of their issues but its

1. how can I get more customers in the door — I’d be fine if I could get that fixed; and

2. I’m not sure what the rules will be next year (i.e. will health care costs and/or increased taxes affect my bottom line)  so I’m not going to risk a bunch this year on increased marketing and/or hiring.

So I wonder….if you are a small business owner….which is it for you?

If its “none of the above,” then maybe you are having a break out year and will share what you have done.