"I started a fabric and quilt shop in 2003 after finding myself a single mom. We expanded in 2007 but had problems with our new building. I found a new location, and my customers love it, but I'm in debt with no working capital, and my credit is shot due to the divorce. My business is sound, but banks are not lending even to folks with good credit. What do you suggest? -C.D., Los Angeles

You're in a tough situation, but so are lots of small business owners. Many people go through personal problems that affect their credit ratings. And a majority of entrepreneurs report that their businesses have had rocky times in the past year, so you're not alone there, either..."

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