* With his boat-building business g...

* With his boat-building business growing rapidly and orders for more ferries already in the pipeline, George Duclo knew he had to add more production capacity. however most banks are reluctant to furnish money to shipbuilders, even those with a solid track record like Duclos' Massachusetts operation.

Duclo was beneath pressure to find a million-dollar loan to add the fabrication facility that would obstacle him deliver his orders forward time.

"We had to obtain into the building. We had penalty clauses. If you're late, they can scamper up to $5,000 a day," says Duclo chairman and chief executive of