Few of us think about the financial stress of the small businesses that serve us, but their survival has impact. When the local store, the producer of specialty parts, a favorite restaurant, family doctor or trusted mechanic go under, that changes our lives. Small businesses sometimes need cash to start up, expand or just hang on, and sometimes they need it NOW, so a lending industry has grown up that takes full advantage of that need, charging high interest rates with tough terms. A loan can mean life or death to a desperate owner, but repaying that loan can kill the patient or mean higher pr
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