Tough Times Ahead

This has been one rough year as far as business goes.
Monies are tight everywhere, as you might have been reading about.
It is no different for me owning a retail business.
I find fewer people have cold, hard cash to work with in these economic times as such as they are, so most carry credit cards or debit cards.
I really would rather work on a cash basis, but I have to go with the flow of the people and what they want.
So my business has to subscribe to the credit card processing method in order to survive.
I have kept my head above water so far, but I can see tough times ahead still.
Some will and can buy if it is on credit and can pay back a little each month but they can
wouldn't or couldn't buy if it had to be in full by cash.
I need to make the changes necessary to survive but it is not a snap decision just to go get a credit card machine.
After all there is costs to me involved like face to face transaction fees, I want them to be low and I do not want a company with an annual fee on top of other fees in daily transactions.
Also do not want a cancellation fee if I decide to go with another company.
Free terminal placement is nice, phone and internet ordering, hey how about first month free to make sure I like this company ?!
Low monthly rental fees, wow so much I have to do to make it easy on us all.
This better be worth it.
Oh this is interesting, this place called OnlineCheck.com, has loans too.
Hmmm...no collateral, bad credit ok, low payments, I will check into this too.
Seems like this company has some of several areas of business monies of interest to me.
I will have to check them out for sure.