Small businesses in Massachusetts are seeing business pick up and have increased borrowing through the Small Business Administration. SBA lending in the state is on track to match 2005 levels. "The problem has not been a lack of credit, but a lack of sales and economic activity to support that credit," said Bill Vernon, NFIB/Massachusetts. "Now, I think, we're heading in the right direction. It's bumpy and inconsistent, but there are more companies doing better than they were a year ago."