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 Such fees help trap many small businesses in a cycle of debt that too often leads to layoffs and, eventually, bankruptcy.A third option is the alternative sub prime capital market that seeks to serve small businesses unable to access the prime capital market, offering rates and terms similar to those of banks.But even before the recession hit, this alternative market failed to meet the full capital needs of small businesses, issuing an estimated $1.6 billion small business loans in 2006. With banks and other prime lenders now focused on making only the least risky loans, more and more small businesses are being shut out and left to rely on the inadequately funded alternative market.The market, which includes a well established network of CDFIs and community development corporations, must be bolstered with new capital.A small business relief package must also include funding that allows alternative lenders to actually deliver capital to more small businesses. New funding is needed to c