You operate a business building turnkey apartment complexes for investors. Before construction is actually completed and the apartment complexes are turned over to the investors, you can typically only bill for about 60% of the agreed upon sales price. The apartment complexes take between 4-5 months to complete. This creates an obvious problem with cashflow at times. Think about what options you might have for getting the cash you need during construction. What would you have to do to get the cash to finish constructing the apartment complex?