"This is the hardest time of the year for my business," Pam said. Her busy season was just cranking up, but money from sales was not yet flowing. I could hear the tears behind her eyes over the phone. "My financial cushion is dwindling. I'm not going to make payroll next week. I know I need to turn it over to God, but it's hard, and I'm tired. It feels like the same place I've been in before. I'm not trying to make a lot of money; I just want to pay my people!"