You find yourself needing to procure some capital for business, either to take on an advantageous opportunity or to cover an unforeseen expense. Ideally, you’d like to search for the best rates that you could qualify for so you can assure success and ample breathing room. You also know that if you have a longer term,(which is usually harder to qualify for), you will have lower payments, also creating breathing room. This all seems like a good idea at face value, so you go ahead and pull the trigger. You put your funds to use and have a manageable time with the payments. A few months later, you find yourself in the same or similar position as you were before taking on the funds. You need more money.