Acceptance Market

You've sold 14 tons of burlap to a French ripped-jeans manufacturer. They agree to pay you in eight weeks when your burlap has cleared import inspection from the People's Republic of France. The credit risk on this transaction is extremely low, and the interest rates that get paid are also extremely low. But this kind of short-term credit set of paper is an enormous industry globally, as companies need short-term liquidity to pay for stuff.

In the same vein of collateralized anything (think: mortgage obligations), there is a liquid market of banker's acceptance notes that operate like taxable money-market funds, and give those seeking short-term interest rates a little better than what they get from the cash money-market fund at Schwab. Another little kiss on the cheek.