WHERE THE MONEY IS
Have you considered factoring lately. Factoring is the process by which a finance company or bank lends you money against your receivables in exchange for approximately 20% of the receivables plus fees. If this sounds steep, it can be. But, factoring can be a viable option if you need money immediately to fill a large order or buy a large amount of equipment. Factoring used to be just a high-cost transactional business, but today's factors provide not only access to much needed capital, but also access to their business contacts and other clients and resources.

Other things you should know about factors generally check the credit of both your business and those with whom you do business to ensure that both of you usually pay your bills and that you will be able to pay forthcoming bills. Factors also review your business financial records, and may want to see your business plan or even your location. Once the factor is satisfied with ability to meet your obligations, s/he will arrange for invoices to come to his/her firm, then s/he will advance you the value of the invoice, less 20% and fees. Then, s/he will collect his/her money once your customer pays the invoice. Some factors may hold back an additional percentage from some invoices.