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He also said he has an "I don't even look at the money that comes in, so therefore there's no connection," he said.

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The amount of scoop-and-toss is lower than in previous years, and Emanuel has said the last bonds of that type will be issued in 2018.

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SBA works closely with a large network of partners that leverage SBA resources and are just one phone call away and ready to provide extensive help.

Getting away from the banks doesn't mean being entirely away from trouble.

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Robert Weed is a frequent panelist and speaker at the meetings of the National Association of Consumer Bankruptcy Attorneys.