 I'm Kim Commando for NetSuite. Attention business owners, get a one-of-a-kind flexible financing program at netsuite.com. A 30-year-old New York City woman answers her phone at 3 a.m. The pleading voice of her mother screams, I can't do it. I can't do it. Then a very calm voice demands $500 be sent immediately through Venmo or her mom will die.