I am in need of working capitol for my small business.  I have tried to go through my bank and have talked with the bank manager.  They cannot give me the capitol I need because we had not being doing very well up until three months ago.  Now our business is stable and we have great sales everyday.  But they cannot offer us any money at this time.  A friend suggested I look into factoring.  She said with my sales receipts showing what we are taking in daily we should be able to through a company that offers factoring.  I decided to try this type of an working capitol.