You need to start your business. Check out Startupping a one-of-a-kind community resource created for Internet entrepreneurs by Internet entrepreneurs. It is a place to share information, ask questions, and tap into the experience of others who have built and are building web businesses. Read blog posts about startup issues, participate in their discussion forums, and view the wiki resources, including sample term sheets and a glossary.
Many of you who are factoring receivables may not have a webcentric business, but often learning skills from successful people translates into any form of worthwhile endeavor.
A helpful article about getting debt financing is HERE.