Credit is scarce. Would-be entrepreneurs are further handicapped by falling asset prices, since they might want to use their homes as collateral for a start-up loan.

信用稀缺，且不断下降的资产价格更成为未来的企业家们创业的进一步障碍，因此他们可能以房屋为抵押，从而获得启动资金。

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Their start-up, which they are operating out of their dorm room, has exhausted its venture capital. They need a loan.

他们在宿舍开办了他们的企业，但是已经花完了风险投资，他们需要一笔贷款。

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"If you're on more than 10 boards, there's just no way that you're good at all of them, " says Randall Lucas, who spent five years at venture firm Voyager Capital before joining Seattle start-up Revenue Loan LLC this year.

WSJ: Too Many Boards Means Little Help, Start-Ups Say

Today your local bank might be interested in lending to a start-up business but tomorrow it will be less inclined because carrying that kind of loan increases its risk.

FORBES: Small Business Credit Crunch: A Supply or Demand Problem?