Which group had the most difficult time receiving credit from banks during the credit crunch of the late 2000s?

Question

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Small businesses had the most difficult time receiving credit from banks during the credit crunch of the late 2000s. This was largely due to their size and lack of established credit histories, making them riskier borrowers in the eyes of banks during a time of economic uncertainty.

Which Group Had the Most Difficult Time Receiving Credit from Banks