Credit crunch, part two? The latest data from the Federal Reserve show that banks are tightening their standards for loans to companies with less than $50 million in annual revenue, even as loan demand is ticking up. The good news: Plenty of small banks, asset-based lenders and factors are still willing to deal. But all that could change fast if the European debt crisis worsens (and spreads) and the U.S. economy continues to limp along. Our advice to capital-hungry entrepreneurs: Get it while it’s still lukewarm.