Once, a chossid complained to the 3rd Lubavitcher Rebbe, Rabbi Menachem Mendel of Lubavitch that his business was going through a particularly difficult time.
The Rebbe responded that in order for him to get out of his monetary troubles, he needs a special merit of lending money to an indigent.
He explained to the chossid the Talmudic adage (Yevamos, 63a): “(A person who) lends a sela to a poor man in the hour of his need, Scripture says (Yishayahu, 58:9), ‘Then you shall call and the Lord shall answer, you shall cry and He shall say, “Here I am.”’”
The Rebbe explained this saying to mean, that this is referring to the lender. When the lender loans money, though he himself is in need, then G-d says “Here I am” when he calls to Him.
This is an especially great merit. Not only does the lender heed G-d’s commandant to loan money, although his evil inclination and his rationale protest, but he trusts in G-d as well. Because of this belief that G-d will surely help him, he lends out his money, despite his own financial straits.
This is why the merit is especially great when he lends funds to “a poor man.” For, although he is unsure that the indigent will able to repay him, he nevertheless places his trust in G-d.
(Igros Kodesh, Previous Lubavitcher Rebbe, Vol. 12, Pg. 238)
