While clearing dishes at my sister’s engagement party in New York, the groom’s father walked into the kitchen and recognized me.

The digital signature attached to the promisory note was a clumsy, rushed imitation of my handwriting. Richard had not even tried to make it look authentic, banking on the fact that I would never check my commercial credit history because my career strictly prohibited me from taking on unsecured corporate debt.

I clicked on the lender details, expecting to see the name of a desperate, highinterest, predatory lending institution, a bank that dealt with subprime borrowers and failing logistics companies. But the name listed on the origination document made me freeze. It read Pinnacle Horizon Capital Partners.

The name sounded familiar, but not like a standard commercial bank. I opened a secondary window accessing the state corporate registry to pull the charter for Pinnacle Horizon. I needed to see who the managing directors were who had approved a half million unsecured loan to a woman who had never requested it.

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