You're absolutely correct Sara, most of the people on PERB, SP's or your current or past clients, don't know you like you know yourself, or as you put it..."know (you) so well".
However, everyone certainly knows their own experiences of life's little lessons. When it comes to money and how to handle it, there just might be a few people here who know how to squeeze a penny and get a dime in change.
There are ladies who share are your vocational counterparts. Some of these ladies are sound money managers and astute businesswomen. They have a unique insight into the pitfalls and issues pertaining to your business and are offering you help.
Of those who are responding to your petition for a loan, whether they are other SP's like yourself and / or people with money management experience, I gather that they would like you to find a path to economic freedom through sound financial principles. While that might not immediately address your crisis, utilizing their advice probably will keep you from this circumstance in the future.
As for your immediate crisis, there have been many suggestions in the previous 30 something posts, some of them could assist you. In my opinion, the ones that want to pass the cap and collect loose change for you, they are compassionate and caring without solving the underlying causes that have you revisiting this financial mess again.
I sincerely hope you confer with those Sp's who are willing to help you... they are specifically able to see it all the issues that are affecting you clearly. If you don't, you most certainly will be back in the same situation before you want to be.
SCd