Is there a cash crunch for startups?

The housing market problems seem to have finally caught up with entrepreneurs, according to a recent story from BusinessWeek.
And it seems that Small Business Administration (SBA) loans are getting scarce, too!
So many are turning to their own homes to get a second mortgage to front the costs of a startup.  I’m just not sure putting up my home is a smart thing to do!
Do you have any advice to someone starting a business on how they can get some much needed cash?