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One of the hardest things about running a small business or not-for-profit is the fact that you’re never really off. Evenings, weekends, nights, and holidays – you’re always either at work, thinking about, or creating plans to improve it.

Cash is the lifeblood of any small business. With sufficient cash flow you’re more nimble and have greater freedom. Without it, you’re a captive to covering your next payroll.