It is difficult these days to secure any type of financial loan or credit with the turmoil in all the markets. To seek unsecured business lines of credit is like having St. George slay a dragon. So when you find an insitution to aid you in this manner, you should thank your lucky stars. If the lending instituions don't lighten up, I don't know how in the world the economy will grow. Isn't it funny how loose mortgage loans were only a few short years ago? Now getting a mortgage is like striking a major vein of gold in your backyard. You have a better chance of winning a lottery in some cases. Giving up your first born won't even work.