Clicking For Cash

Online lenders can save you time, but not a lot of money

Applying for a small-business loan has never been much fun. First you dress to impress, then you wear out your tire treads, as banker after banker gives you and your business the once-over. "You're begging for money, and they want you to guarantee them your firstborn," grumbles Cynthia Vernold, 34, co-founder of Santa Fe, N.M.'s Optical Insights, which designs imaging equipment for industrial use.

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