This term is well defined in Wikipedia but the article is asking for improvement. It explains that banks run out of money to lend. The sad thing is that it does not question the assumption that the only source of money is a loan from a bank. Furthermore, it suggests that businesses need to depend on ‘credit cycles’ or liquidity crises.
However, it is paramount to distinguish between the financial economy of banks, insurance companies and other financial institutions and the real economy that consists of employees who sell their time and consumers who buy products and services. Entrepreneurs who take the risk of creating jobs, selling products and providing services should hardly depend on insecurities created by greed and short-term thinking of profits or return on investment, i.e. the fundamental immoral practice of making money out of money.