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 business line of credit with their bank to sustain such cash-flow shortages. Besides, banks are doing very little business lending. Meanwhile, their employees and vendors and service providers still expect on-time payment. In such cases, small business working capital loans often help bridge the cyclicality and payment delays so that they can keep delivering the products and services that keep them afloat.