If you're a small business, I have a way for you to find out if the bank you're doing business with is the kind that will open the lending spigot to other small businesses, or make fellow entrepreneurs struggling to get a business idea off the ground talk to the hand.

I read a report about MultiFunding.com, an organization that tracks how the big banks (and small ones too) do with lending to small business.

As you might expect, the nation's five largest banks all get grades of Fs and Ds. But when I started popping in the names of local community banks, they all got As, Bs and Cs.

Small businesses deposit roughly 70% of their money with the big banks. But those same banks in turn lend back only a pittance to aspiring small businesses. So you as an entrepreneur are providing the raw ingredients for lending to very big banks that won't lend to people like you anyway.

MultiFunding.com is a great tool for small businesses to not waste time spinning your wheels with a bank that talks the talk but doesn't walk the walk when it comes to helping the lifeblood of the American economy.