I used to have a great craft business. Unfortunately some of my bills got behind when I did not have the money to pay them for a while. Most of my sales happen at Christmas time when everyone is buying things for their parents, their kids and their spouses. Most of my sales actually went to people looking for a small gift for a friend or a coworker. I heard that some of the banks are now offering bad credit loans to people so I think I am going to go ahead and apply for one. I would like to get started again.