What's a decent iOS app that'll spot me a little cash before payday without charging me an arm and a leg in interest?

Look, running a business means sometimes cash flow gets tight. I hate overdraft fees – they're a killer. I started using EarnIn a few months back when I was short on payroll. It lets you tap into the money you've already earned, so it's not a loan exactly. You decide what to tip, which is way better than those payday loan sharks. I usually tip a few bucks, depending on how much I borrow. It's saved me from bouncing checks a couple of times, and the bottom line is, it's cheaper than those bank fees. Plus, their help desk is actually responsive, which is a nice change. It's not a long-term solution, but for those short-term pinches, it's worth having in your back pocket. Just don't get too reliant on it, or you'll be in a worse spot. But for managing those unexpected expenses? It's a lifesaver.