She smiled. “Call me when they’re ready, and we’ll figure something out.”
“Okay. I will.”
***
A week later, I was up to my eyeballs in cardboard.
“That’s the last of it.” Fisher stacked the last carton on top of an already five-foot-high mountain of boxes. He pulled up his T-shirt and used the bottom to wipe sweat from his forehead. “You better be making stuffed manicotti soon for all this lifting you had me do today.”
“I promise I will. I didn’t realize how much I’d accumulated in that storage unit. I can’t believe there were two-hundred boxes in there.” In my ongoing effort to cut costs, I’d enlisted Fisher to help me relocate everything from my pricey self-storage unit to my apartment. Since I no longer had a roommate, I had the space here.
Fisher reached behind him into the waistband of his shorts. “I almost forgot. I picked up our mail on my last trip in. This package you got is falling apart. It looks like the mailman ripped it when he jammed it in your box to make it fit.”
Everything was damp from his back sweat. My nose wrinkled. “Gross. Put it over there for me, please.”
Fisher tossed the pile on the kitchen table, and the envelopes fanned out. The logo on the corner of one caught my eye. The SBA. I picked it up and examined it.
“Oh my God. This is a small envelope. That’s not a good sign.”
“Who’s it from?”
“The Small Business Administration—I was supposed to get a decision on the loan I applied for in two to three weeks. It’s barely been two.”
“That’s great. They probably loved your business so much, they couldn’t wait to approve you.”
I shook my head. “When you apply for something and you get back a thin envelope, it’s never a good sign. It’s like finding a regular-sized white envelope from the college you applied to in your mailbox instead of the big brown one they send with all your welcome stuff inside. If they were approving me, this would be thick.”
Fisher rolled his eyes. “Most things are done online these days. Stop being so negative and open the damn thing. I bet there’s a login and password for you to go online and sign whatever they need you to sign.”
I blew out a deep breath. “I don’t have a good feeling, Fisher. What am I going to do if they decline me? I’ve applied at three banks already. No one is giving an unemployed person a loan. I was an idiot to quit my job and think I could make a go of this business. They already filled my job at Estée Lauder, and most of the decent jobs for perfume chemists are overseas now. What the hell am I going to do? How am I going to pay my rent?”
Fisher put his hands on my shoulders. “Take a deep breath. You don’t even know what’s in the envelope yet. For all we know, it might be a form letter just thanking you for applying or telling you there’s a delay in processing.”
I was too nervous to open it, so I held the envelope out to my friend. “You do it. I can’t.”
Fisher shook his head, but tore open the envelope. I watched, holding my breath as his eyes scanned the first few lines. The frown that formed at the corners of his lips told me everything I needed to know.
I shut my eyes. “Oh, God...”
“I’m sorry, Stella. They said you don’t have enough time in the business or a strong enough positive cash flow. But how the hell are you supposed to have either of those if they don’t give you the loan to help you get the business up and running?”
I sighed. “I know. That’s basically what all the banks said, too.”
“Can you just start really small and get some experience and apply again?”
I wished it were that easy. “I don’t have the packaging and enough of some of the samples I need to put into the boxes people would use to order.”
Fisher raked a hand through his hair. “Shit. I have about nine grand in the bank I was saving for a rainy day. It’s yours. You don’t even have to pay me back.”
“I love you for offering that, Fisher. I really do. But I can’t take your money.”
“Don’t be ridiculous. You’re my family, and that’s what families do.”
I didn’t want to insult my friend, but nine-thousand dollars wouldn’t be nearly enough to launch. “I’ll figure something out. But thank you for the generous offer. It means the world to me that you would even consider doing that.”
“You know what this calls for?”
“What?”
“Dom. I’m going to go get one of those expensive bottles of champagne we have left from that wedding.”
“This calls for a celebration? Are we celebrating my loan decline, or the fact that my apartment is now a warehouse?”