"I have a little bar. A drinks bar," says Chadd Ritenbaugh. His bar is called El Catalonia. It's in the port of Marbella, on the Spanish coast.
"Just sun, sand, and sea," he says. "It's just kind of empty at the moment."
Ritenbaugh bought the bar in 2009. Since then, business has gone downhill. He tried, and failed, to sell.
"Nobody's out buying bars right now," he says. "Banks in Spain are not lending a cent — a euro cent."
Chad himself tried and failed to get a bank loan. "Absolutely nothing," he says.