Article Photos: 5 issues small business owners will face in 2013 1/2

This undated handout photo, provided by James Schrager shows James Schrager, a professor of entrepreneurship at the University of Chicago Booth School of Business.  Schrager warns that banks aren't just cautious about small business loans, but that home equity loans, a traditional source of money for people starting or expanding a business, remain difficult to get, the result of the collapse in the mortgage market in 2008.  (AP Photo/James Schrager)