Banks are eager to lend cash to the little guys. More specifically, little guys that can pay them back.

In a new ad campaign, JPMorgan Chase & Co.’s are publicizing their plans to lend $10 billion to small businesses such as yours this year.

Other banks such as Wells Fargo & Co. and Huntington Bancshares Inc., are also saying they are more open to small-business loans.

Banks are keeping the info close to heart not advertising on their websites. Instead, the banks are keeping the public posted on how their loan programs will remain. That means they get to tell us what information they want, when they want and filtered the way they want.

One other problem is the banks are also defining what a small business is since there isn’t a universal standard. This may prevent certain businesses from receiving a benefit from this temporary lift on loans.

“(The banks) get to pick and choose what numbers they tell us without having to give any context,” says James Kwak, who writes for the financial and economics blog The Baseline Scenario. “It doesn’t mean they are sinister, but their numbers will be hard to verify.”

Small businesses are very hard hit by the credit tightening over the last two years. Banks dramatically slowed loans to startups and put a stop to anyone that is losing money or anyone with risks in their business profile. JPMorgan Chase and Wells Fargo see small businesses as revenues of under $20 million, but Huntington Bancshares’ stops at $15 million.

Either way, it may be the best time to look for that expansion loan for your small business with the hold temporarily off the banks bills.

By Michelle Bouffard, HowToMarketYourBusinessNow.com