Some small business (for example: healthcare, medical) experience long delays collecting on their invoices. Fortune 100 companies, and government agencies, are notorious slow payers. Small business owners often don’t have the credit facility to sustain such cash-flow shortages. Meanwhile, their employees and vendors and service providers still expect to be paid, and paid on-time. In such instances, small business working capital loans often help bridge the cyclicality and payment delays so that the business can keep delivering the products and services that keep them afloat. As banks, factoring, and lines-of-credit are only available to the oldest companies where the owners have the highest FICO scores, many other small business owners are google-ing “Business Loans for Bad Credit”… and finding success.