Washington ( CNN ) -- Andy Shallal 's small business is a rare success in a sea of hard-luck stories . The owner of several popular bookstore cafes , called `` Busboys and Poets '' in the Washington area , Shallal said his annual revenue tops $ 14 million . But the success has n't persuaded his bank to give him the loan he wants to expand two of his stores and add 40 employees . Shallal said the only way his bank would lend him money was if he used his home as collateral . `` I want to have a loan that 's really a business loan that 's going to use my business as collateral , '' Shallal told CNN . `` And I was told no , in these economic times it 's very difficult for banks to give money this way . '' Small-business owners across the country have voiced similar frustrations , complaining that -- despite billions of taxpayer dollars in relief funds and exhortations from lawmakers to help Main Street -- banks are still holding back on loans . President Obama will tackle the issue Monday when he meets with bank leaders to discuss upcoming financial regulatory reform . He is expected to push banks to increase small-business lending , along with a host of other reforms to the industry . But industry analysts say the liquidity problem wo n't be easily solved . One small-business expert said stricter government regulations have pulled banks in two directions . `` The banks are going to say , 'Look , it 's not like we do n't want to lend , it 's that we 're constrained from lending as a result of the new focus and the new attention from the crisis , '' said Anne Mathias , an analyst with Concept Capital . `` [ They will say ] 'the regulators are telling us you need to be more careful , you need to have more capital , your capital needs to be more liquid . ' `` Scott Talbott , who represents some of the country 's largest financial firms at Financial Services Roundtable , said banks are still lending , but they 've gotten more wary of potential risk . `` You 've seen an increase or a tightening of the credit standards , '' Talbott said . `` So banks are cautious now about lending in terms of who our borrower is . We 're looking to make good , solid loans that can be repaid . '' He said financial institutions are also wary of the legislation moving through Congress that would impose new regulations on the industry and , Talbott said , make it costlier for banks to operate . The House passed a sweeping financial reform bill Friday , and a Senate committee is working on similar legislation . White House officials told CNN that when the president meets with top bankers Monday , he will insist the reforms are necessary to prevent another fiscal crisis . Meanwhile , Shallal hopes lawmakers take action soon . `` You 've got to really give that money back to the source that 's going to provide the most amount of jobs , the most amount of economic stimulus for the economy , '' he said . `` That 's small businesses . ''
President Obama to meet with top bankers to push for more lending . D.C. shop owner says his business makes $ 14 million a year but he ca n't get a loan . Stricter government regulations have pulled banks in two directions , experts say .