I think it's safe to say that one of the most challenging things a small business owner must overcome is finding access to the capital he or she needs to finance growth or fun working capital. 90 percent of the small business owners that trudge from bank to bank looking for a loan come away empty handed, just like San Diego artist Olya Losina. Last month's Entrepreneur magazine shared her story and how she was able to acquire the funding she needed to grow her art school. Like most small business owners, Olya felt the credit crunch that followed the financial crisis in 2008. "We needed to take out a small loan to build the business," she says. "The banks didn't want to talk to us; we'd destroyed our personal credit opening the business. We're renting our place, so we don't have equity. What interested us about Lendio is that they didn't look at equity; they looked at the cash flow. And we could show that." I don't think her story is that unique. Michelle Goodman does a great job telling the Losina Art Center story. You can also watch a video featuring the Losina Art Center success story.