Author and motivational speaker Napoleon Hill was fond of saying, “there's always plenty of capital for those who can create practical plans for sing it.” While that may be true in the big-picture sense, the day-to-day etails of building capital to operate and grow a business aren’t always so simple.

ISOs, like most small and mid-size businesses, are almost always on the lookout for the capital that can fuel their growth. But a ready source of capital on terms that make sense is an elusive quarry. That’s especially true in the current U.S. economy, where lenders are more careful today than in the recent past, equity markets are frequently unsettled, and private investors are understandably wary.

For this issue of Transaction Trends, our writers and editors have taken a high-level look at the some aspects of the capital formation situation as it affects the sales organizations in the electronic payments industry. As you might expect, the picture is mixed.

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