One creative approach is using Factors as a Source of Working Capital for your Business, where cash is advanced against your Credit Card Receivables. A couple of firms offering this service are: FastUpFront.com and Merchant Capital Source. Others may be found at the International Factoring Association. (NB "credit card factoring" has a second meaning - it is a felony in certain states.)
An innovative way of facilitating factoring is via an electronic marketplace: the Receivables Exchange.
Business Owners' Idea Cafe has a section called Financing Your Biz. You can also search for different sources of Business Finance besides advances and factoring.
Other free tips may be found by going through the following sites:
And you can search beta.Sam.gov for information on government programs as well as use the Financing Your Business page at USA.gov.