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By committing to only 50% of the quantity, lenders can participate in bigger projects they might not otherwise be able to and believe lower dangers with better loan-to-value ratios. Total little commercial actual estate loans declined at one of the slowest prices since the start of the downturn, while small business commercial and industrial lending continued to be during the first more than half of 2012 steady. Micro-lending (loans under $100,000) seems to possess steadied for the third consecutive one fourth. The highly-respect zagat study around the “condition of dining in 2015” says the common american eats out 4. 5 times a week (excluding breakfast) and spends $39. 40 per person, per meal.