Our small ethics training and consulting business always has cash flow worries, so when an offer arrived from Reliant Funding promising a quick line of credit, my business partner and COO–also known as my wife—leaped into action. She checked up on the outfit, and all indications were that they were legit. Comments about them on the web lacked any red flags.

Then she called the number listed to apply for the loan, a process promised to take “hours not days,” and activate the loan card, which looked like a credit card with my name on it. Our representative was articulate and informative, and prospects looked rosy. Then my wise COO, herself now crippled by the business curse, ethical thinking, heard  “Steve” say ProEthics could probably get a $10,000 loan. She immediately and curtly said that she would have to call him back.

“This mailer says that a $41, 739 loan was pre-approved. She said. He said the most we could get was $10,000. That mailer is a lie!”

“Correctamundo!” I ventured.

Now Steve was in trouble; you don’t want to cross Grace. Really. She called Steve back, and went on the attack: Continue reading →