barbara kantor's business card says "ceo and founder." she's also the marketing manager, chief accountant, and inventory manager. in short, a one-woman corporation. it wasn't always that way. a former california fashion designer and independent businesswoman, she moved to colorado two years ago to do something new: manufacture and sell reflective arm bands and dog leashes to help motorists spot pedestrians at night. at first it went well. the products are popular on amazon.com, and in retail outlets. but then the recession hit. and her sources of capital began to dry up. >> i started looking at bank funding and it was nightmare out there to be honest at the moment. the banks just aren't loaning to small businesses and i have an extremely high credit rating. >> reporter: unable to get a loan, she cut costs. gave up her office space, began to take deliveries at home, and use her own car to haul products to an unheated storage unit 45 minutes away where she stacks and tracks it all, even in the depths of a colorado winter. small business own