1. Unfortunately, not uncommon, you were not able to pay yourself or your staff a set amount of money every fortnight/month.
2. You always aim for new business to pay off older debts.
3. You maxed out, or at least paid parts of your business expenses with, your private credit card.
4. You have no clear understanding of how much money exactly is outstanding, how much other businesses owe you.
5. Your bank refuses to give you a loan.
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