Financial downturn in 2008 caused banks to change their lending policies. These policies were dictated by new misguided regulations, that ultimately made it close to impossible to get a bank loan, or line of credit for a startup business, or newer business (less than 5 years) without giving away your first born. This being a fact, where does one find the capital needed to make their business dreams a reality? The answer is simple. You either put up your house, or you ask your rich parents for money, or alternatively, you talk investors into believing in your vision and dream for a large portion of interest in your company. But what if you dont have a house, or rich parents? What if you dont know investors? What if you still have the belief that-- in America you should be able to follow your dreams and build your own business without having to give 50% or more of it to an investor. The original answer becomes less attractive the less you are willing or able to give up. With the banks, the less money and assets you have, the less money, control, equity, etc you will get. Sweat equity is worth ZERO when you need money. Why should you put in 150% of your time, effort, and energy, while giving up 50% of your business just to get capital? When you find yourself in this exact situation as I did two years ago, you do the only thing you can do. Look for "alternative lending" institutions. This can be a very scary thing. It usually means high interest, high fees, and high exposure (personal) Usually, it means you're working with loansharks that care about the money, and dont care about you or your business. They want high interest returns and they will give the money to just about anyone who is dumb enough to pay. I searched on the computer for hours until I came across Dealstruck. Dealstruck seemed to have many lending programs that were a perfect fit for what I needed. They money still looked more expensive than what I was willing to pay. But I soon found out that it was the best rates possible for what I was getting, and what I received was far better that what I thought I needed. Dealstruck was extremely easy to work with and really wanted to understand my business so that they could insure that the lending product they had was a good fit. The deal was structured, made the borrowing work optimally for both parties. During the process I began to realize that their lending model is based on a relationship that is much like a partnership. Their model is structured so that the more they know about your needs, the better they can help you, and save you money. Because they are not a traditional bank, they do not think like traditional bankers. Rather, they take a forward approach to masterminding a solution that maximizes your lending benefit. The benefit and structure depends on the goals your business is trying to achieve. Once the goal has been identified, Dealstruck goes to work tailoring a solution that works best for you. In my experience, their team really builds a lending program rather than just providing you with funds. This flexibility insures your success, and theirs, Usually, answering specifics about your credit history, and filling out contracts, etc takes more time than anything when getting funded. At Dealstruck, their application and approval process is lightning fast. More time is spent talking about your needs and your business, than your worthiness. Once the plan is set, funding happens seamlessly depending on the lending product in as little as one day. I recommend Dealstruck to anyone that needs business funding and wants their business to be successful. If you are in business or starting a business, you are this person.