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Patty Hirsch, senior editor of Marketplace, discusses factoring, a financing method used by small businesses. Recently, concerns have been raised about the impact of CIT, a major lender and factor, going out of business. Hirsch explains the relationship between a small business owner, like Sam the shoemaker, and his client, Nordstrom. Sam sells 20 pairs of shoes to Nordstrom each month, and at the end of the month, he ships them off.