Editor’s note: This is a transcript of the audio file.

If you’re a small business owner in need of cash, and you can’t secure a bank loan or line of credit, there are some other, innovative sources of funding you should consider. I’m Clark Palmer with your Bankrate.com personal finance minute.

Local investments groups such as Slow Money and Local Investing Opportunity Network are gaining traction. The idea is that these groups pool local investors’ money to make low-interest loans to small businesses.

You could also try crowd funding, in which your request for money is sent online to interested investors from around the world. There are various platforms for this kind of funding, such as Kickstarter.com, Peerbackers.com and Ideavibes.com.

You might try to get an asset-based loan from an online pawnshop. The pawnshop would secure your business’ high-end personal assets, such as jewelry, gold coins, or wine collections. Based on the appraisal of the items, the pawnshop sends the money within 24 hours.

If you don’t need a huge amount of cash, you can try selling gift certificates. You might want to offer them at a discount to tempt customers into buying right away.

For more small business tips, visit Bankrate.com. I’m Clark Palmer.