Small and new businesses may not struggle to get bank loans as previously thought. Instead of being denied credit, they might actually be given too much money, which can also cause problems. A study on French businesses in the 1990s found that most new firms were not facing credit rationing. Factors like the type of business and industry can influence whether a company is denied credit or given too much. This research suggests that the idea of overlending might be more common than credit rationing for new businesses.