NEW YORK (10/11/11)--As the owner of a café in a small town in eastern Colorado, Mike Decker runs a small business, but he would be the first to admit he needs the expertise of others to navigate waters of business lending. Decker found himself in over his head when he realized he had signed an agreement on an Small Business Administration (SBA) 7(a) loan that made him liable for a $94,000 balloon payment in October 2010. He turned to an Ent CU branch in Falcon, Colo., to seek assistance. Ent referred Decker to the The Small Business Authority, powered by Newtek Business Services Inc. Newtek is a CUNA Strategic Services provider. Joe Chiarappa, a Newtek business service specialist, helped Decker modify his loan--and keep his business. Decker expressed his gratitude for Chiarappa’s willingness to advise him step-by-step through a labor-intensive, technical process. “I thank you for helping me keep this business alive,” Decker wrote. “I provide a service, not gourmet food, just a delicious home-cooked meal served with hospitality. Sure, someone could have picked up our cafe, but no one would run it like we do--with love.” The Credit Union National Association and credit unions are urging Congress to increase credit unions’ member business lending cap to 27.5% of assets from 12.25%. Doing so would open up more opportunity for credit unions to offer MBLs, inject $13 billion in loans into the economy and create as many as 140,000 new jobs, with no cost to taxpayers, CUNA said.