(Yahoo!Finance) Say your overall cash-flow situation is good, but you need to cover a short-term deficit over the next few months. In today's still-strict credit environment, taking out a loan may not be much fun. It may not even be possible -- unless you have access to an untapped home equity line of credit or a helpful relative. If that's the case, great. If not, you may be able to turn to a surprising source for some help: the taxman.