The issue with capital in this country is more about risk than it is about the volume of capital that's available. I think you're opening a bit of a can of worms with respect to crowdfunding and the rules on disclosure. That makes things a lot more complicated for small businesses if they are attempting to scale up.
The real issue for most small businesses is at the scale-up stage, where there is a significant requirement for capital for things like proof of concept. Once they get past that, the scale-up becomes much easier.