HATTIE: We've already done programs about the Small Corporate Offering Registration. Please read on our Web site about this process for taking your company public without going to Wall Street. But, if you want to go to Wall Street you can. Andy Murstien, small investment corporation, Medallion Financial, raised $50 million in its initial public offering.

ANDY MURSTEIN: Yeah. You need a good story. I mean, as funny as that sounds, you have to have a passion for what you do because people could see if you are serious about it and if you really have the heart to go out and grow your business.

So you need the passion. You need people to believe in you and to also share that passion. So, every cycle there's a different wave of companies that basically Wall Street becomes enamored with.

Again, it's jumping on the bandwagon when the timing is right. You could have the greatest company in the world, and if the timing's not right, you're not going to be able to raise money.

When we went public again, we raised $50 million. The next year we did not need the money but our stock had gone up 50 percent so everybody said it's a good time to go out and raise money. Sometimes banks and others lenders are willing to lend you money if times are good, if the economy's doing well; and even though you don't need it, take it, and reserve for a rainy day.

We did it again. Our stock had gone up 50 percent, so we went out and raised another $50 million because investors were clamoring for more of the stock and we gave it to them.

Then two years later we went out and raised a third launch of $50 million. We really didn't need the capital, but again the economy was good, and our stock was doing very well. So that's the time to go out and get a loan.

We bought 15 companies since you last saw us seven years ago. When you saw us last our portfolio was about $200 million. Today we manage over $600 million. So we just took the money and bought companies and lent it to small businesses.

HATTIE: So, what is money? It's an equation where the past reaches into the future. To start a business or grow the one you have, money can appear to be a huge obstacle. But you've just seen many creative, tenacious people who could see the future so clearly they were able to work with their own assets and make the inherent value of that money grow.

And, you have to have MOM, my own money. Then once you have that skin in the game, move on to OPM, other people's money.

There's a lot to go around. We'll see you next time.