I can probably add a little insight. On that issue. I bought our local quilt store last year when I retired. If it were not for the local bank being willing to invest in me and working with me to find a way to make it work, it would not have happened. After 6months of jumping through the hoops being willing to put up everything we owned and promising the rest, still was no closer to getting a final answer from small business administration. It was oh we just need this, every single week, and you you didn't pay and take time off to attend our classes so now we need this. So finally went to local bank and said ok what can you do, 2 days and I had approval & guess what I didn't have to put up everything I own. So I am now coming up on my first year in business and doing well. The other thing is that inventory only is considered to be10% of its value for collateral & 50% for fixtures by sba so anyone wanting to purchase a business has to basically be able to buy it out right. Sad isn't it.