When your bank talks about “relationship lending” but quietly tightens your credit line, you feel it before you ever get the formal letter. In this 60 Seconds Sharp with Shena episode, Dr. Shena, PhD‑ABD, America’s favorite attorney, revenue strategist, and small‑business bodyguard, breaks down how 2025’s tighter lending standards, tougher covenants, and higher collateral demands are reshaping what your line of credit actually means. You will hear why more owners are being nudged toward expensive online lenders and “quick cash” products, what that shift means for payroll, emergencies, and growth bets, and how reading your loan terms like a survival contract—not just fine print—can protect your cash and your company.

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