This past year’s economic downturn has adversely impacted a vast swath of economic activity—especially for businesses that do not involve online commerce. Small businesses in particular have seen cash-flow shortages; so are struggling to make ends meet. Few small businesses have the necessary liquidity to secure a conventional bank loan. So they are diligently searching for capital to stay afloat, and sustain operating capital during a lull in revenue. Small brick and mortar businesses have been forced to ramp down—or even halt—operations due to this protracted slow in traffic. They need a temporary boost to stay competitive. Faltering businesses are looking for innovative, new ways to find available capital.