With the nation’s credit in a deep freeze, first-time restaurateurs and smaller operators in need of funds are finding help from two disparate sources: banks where they have long-time relationships and the not-so-familiar government.Given the miles of red-tape-bound paperwork, restaurant operators long have looked to the U.S. Small Business Administration as a lender of last resort after family, friends and banks have said no. But with all of those parties watching their money more ...

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