Any company that has not been securely operating for at least fifteen years is feeling the effects of the global credit crunch. That’s because there is only so much you can do for your business when you cannot secure a line of credit to operate. Almost all small businesses run off of credit, they secure the product and turn around to sell it to consumers (or even other companies if you run a wholesale business). However, it is almost impossible to operate in this sphere without credit because you do not actually have the money for the product until it is sold to the consumers and you are able to pay off the credit line.