Marci owns a small retail store, and is heading into her fourth holiday season in business. Like many small businesses, most of Marci’s revenue comes during the holidays. Her business has been growing, and she knows she’s going to need help around the store – she was barely able to keep up last year. She’d also like to invest more in marketing ahead of the season. Unfortunately, the costs of hiring a new employee and marketing happen up front. Marci knows she’ll have the money in a few months – after all, she’s investing in growth – but she’s not sure she can pay for either expense right now.