One of the problems facing many home business owners is the fact that financing is getting harder to come by. The credit crunch has meant that banks are lending less to consumers and businesses alike, making it more difficult to get the financing needed for adequate cash flow. As a result, more home business operators have been turning to credit cards to fill their needs.

Unfortunately, credit cards may represent the next incarnation of the credit crunch. With credit card issuers slashing credit lines and tightening lending standards, it may be difficult for you to get the financing that you need. This is why P2P lending, such as that offered by Lending Club, Prosper and Green Note is becoming more popular.

If you can't get financing from the financial institutions, you  might be able to get home business financing help from your peers.