Even in absence of bad credit, banks aren’t lending (or extending lines of credit) to small businesses. And many business owners lean toward taking on a partner as their first option as they don’t understand Working Capital loans. Both taking on a partner, and a working capital micro loan, are more expensive than bank money… but a partner is permanent where a bank statement loan is a one-time event. However, many small business owners make the mistake of seeking equity partners to get out of short-term money crunches. Working Capital loans usually cost business owners less than taking on a partner, and can be done on a short-term or deal by deal basis. This means that business owners never have to go through the process or buying out a partner, or watching a silent partner reap rewards beyond what is reasonable for their capital investment infusion. As the poet once said, “a Partnership is one ‘ship’ that will sink”, and “a Partnership is like a marriage without the love”.