Joys top concern is cash flow. Since investing her life savings into her business a year ago, Joy has managed to grow sales (steady 10% monthly growth trend , but her cash has almost run out ($1,300 remain in the business checking account). Fortunately, she has secured a $15,000 line of credit (7% interest rate) for emergency situations. She hasnt borrowed any funds yet, but is wondering if she should (and how much).