Small business lending is poised for an interesting year in 2017. Small business confidence scores are riding on a 10-year high. Alternative lenders, including online, marketplace, and peer-to-peer, are becoming more active. Regulators are determining how the new “special purpose” charters will be structured. Now is the time for your institution to determine a strategy for living in a market that will likely see many more commercial credit applications. While this plan includes the loans you approve, it must also address how you will handle loan declines.