Bill: Helen, you started this company only a year ago. If you want it to grow, I’m afraid you need to do something about cash flow.

Helen: Bill, although you’ve worked here only for a couple of months, you already know this company inside out. I am having cash problems.

Bill: Clearly you don’t have the money you need to buy the equipment to be competitive. You have just barely enough funds to cover your day-to-day operational expenses.

Helen: I think my best bet is to secure a small-business loan.

Bill: I don’t think that’s possible. It seems to me you don’t have the collared for a loan.

Helen: What can I do then?

Bill: Try the Small Business Association. They help underwrite loans for a small business.

Helen: So, even though I don’t have much collateral, I can still quality for a loan?

Bill: Under this special program, possibly.

Helen: That would really help me cover our overhead. I just need to get some time to get the revenues up.

Bill: Apply for the small-business loan, and keep your fingers crossed!