With the current credit crunch, business owners trying to get capital, or loans for their businesses are finding it increasingly difficult to finance their short-term loans.  Rather than putting your company in jeopardy, and trying to run your business without any working capital, or credit, consider a short-term loan by applying for a credit card.  Although small business lending has dropped dramatically, over the last few weeks, the consumer credit card market, and the business credit cards are still taking and approving applications.  So if your small or medium-sized business is in dire need of emergency cash, or overnight loans, consider applying for a personal credit card offer, or applying for a business credit card.