Find a banker who knows your industry niche

When it comes to business financing, today’s climate remains chilly. Thawing Colorado industry requires more than layering on a fleece jacket — it’s a matter of training and preparation to achieve a business’ personal best.

This issue is timely: In September, Congress passed a small-business jobs bill. Intended to enhance the operating climate for many small businesses, the bill aimed to help community banks leverage their assets for small-business lending.

But some banks reported they do not need the new incentives, because risk-averse customers are playing “wait and see” before investing in growth. In fact, in a September report from the National…