[Tri-ring]

Spoiler for Here is the outline:

As you may remember, in episode 9 Lawrence bought armor from Latepria tradings through credit and was planning to sell those armors to Mebiryo tradings. The credit will be handled between the two traders and Lawrence planned on gainning commision transporting the goods, but it turns out that the armor market had dropped. To make things worse Latepria trading had sold the credit to Mebiryo. So Lawrence now is in debt to Mebiryo who had just lost a fortune in the Armor market and will have no mercy in stripping Lawrence.
Lawrence has two days to come up with the money or the commerce union he is inlisted will pay up the debt and send Lawrence to the mines to payup his losses. Lawrence is now walking all around town to ask for a loan but is turned down at every doorstep and is told he is unsincere having a female(Horo) tag along with him in asking for a debt.

By the way, I liked how Horo importuned Lawrence in Oiran Kotoba, the interaction was just like an Oiran cajole her guest for gifts.