As Dodd-Frank goes into full effect with about 400 new regulations for the banking industry, many are skeptical about the effect on small businesses. It will be harder to get loans and capital for business growth and expansion. Small banks have been being acquired by large and regional banks because the cost of compliance is now so high that it is impossible to be a productive bank and still comply with all the new (sometimes redundant and pointless) regulations. 

However, there is a possible bright spot (maybe). Regional banks may end up being stronger than before with more lending ability than small banks. They are relatively large, and fairly well capitalized. Additionally, they are well hedged, offering stable investment platforms. Because of these two traits, they are often have more lending power than small banks, and are more accessible than large banks. 

As a small business owner looking to grow, look to regional banks if you need capital. They are your best option for borrowing.