I think we are finally seeing a glimmer of light at the end of the recession tunnel. When the term " unsecured business lines of credit " begins to enter converstions and tales of some small business actually getting them, I see that ray of hope. Financial institutions don't face this kind of exposure if there isn't darn good proof that they will profit by it. I'm sure due dilgence has been done in this area. If you are interested and a reasonible candidate for this instrument of finance , I advise that you seek the assistance of people like Hawkeye Management to guide your course.