Name any means of business programs from the bank, and you may find these things are slowly fading. Be it business credit cards, trade and supplier financing, commercial loans or working capital lines of credit, all of these services from banks are now coming to an end. This is still due to the poor market conditions and unfavorable economic outlooks.
But it's not yet the end of the world, so you can surely find alternatives out there. In finding alternatives, you may sacrifice the cost of financing. The only viable options is to get a non-bank (private) loans.
Whether you like it or not, you must bite on the last alternative regardless of the cost involve. If you will stop asking for business loan, you may encounter funding gap and this is something you would not like to happen.
The cost of small business financing alternatives may be high, but you need them because they can fill the gap left by banks.