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.