Credit Facility

You make GoofyThings. They're like a cross between stress balls and fidget spinners. But like...very high-end.

They cost a fortune and you're always having to upgrade your factory. It often costs a bit more cash than you have sitting around in your B of A account. So you need the flexibility of being able to borrow modest amounts of money regularly without having to go through the massive financial gymnastics in offering a bond formally to investors, with all the requisite filings and other headaches.

So you set up a credit facility, and you can borrow up to, well...some modestly large number relative to your size or needs. And you live to make more GoofyThings next month.