With the current credit crunch, raising capital to start or expand a small business can be a real challenge. The bitter irony is that while interest rates are at historic lows, access to funding sources has all but dried up. As a result, many small companies have turned to business credit cards. While credit cards may be a reasonable choice to fund ongoing operations, particularly if the cards carry low interest rates or profitable rewards, P2P lending at Lending Club may be the better choice to fund the startup or expansion of a small business. Here’s why.