How can you obtain working capital?

Can you answer leftyknockout’s question about Factoring?:

How can you obtain working capital if all your credit is close to being maxed even if you have never been late or missed a payment and your credit score is about 645?
I have been in business for 10 months and business increases by 10-19% a month and I am now in the black, however I need a hard loan to pay all credit cards and convert to one payment and expand with more inventory.

Instant Working Capital