I know I'm new here, so feel free to yell at me if this isn't worth it's own thread or is in the wrong spot....

My business hit a bit of a rough patch financially (although, I guess everyone has lately?). I’m getting a little worried with the beginning of the new year coming, and I’m not sure how we’re going to make ends meet.

I’m trying to weigh my options for raising more capital. I’d thought about business loans from my bank, but I’m worried that might bite me in the ass if business is slow. I came across this company that has a program for small businesses. They take a portion of credit card receipts as payment rather than a fixed rate, and it’s looking pretty attractive to me.

Does this sound like a good deal to anyone else? Thanks for any help, I really appreciate it.