Planners get it a lot these days - a client calls on Monday morning in desperate need of a cash infusion to help an unemployed daughter, an entrepreneurial brother or replace a pooped-out furnace. Sometimes, the client just wants a short-term loan to make it through to bonus day.

But with the economy still shaky and banks reluctant to hand out money, getting cash on the quick is no easy feat. "It's a great time to borrow because of the low interest rates," says Michael Hensley, a financial planner at Guardian Capital Advisors in Raleigh, N.C. "It's just not a great time to actually get a short-term loan because banks are only loaning to people with good cash flow."

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