The company, in an e mail, to me the 11s change over time. Amounts owed shows the total amount of credit you have available. Only then can you get the funds if you have the time. Angel investors tend to be very successful in their own right and have similar tire shops to you. Equity financing is far more expensive if your company is successful but far less if it fails. The major disadvantage of credit scoring is that it relies on information in your credit report which may contain errors.