Are you short of money in your business – the debtors just don’t pay on time, and the suppliers insist on getting their payments promptly? Meanwhile, items such as rental and wages must be paid, and you are often being called upon to invest even more money into your business?

Small Business owners are generally aware that a Business Plan is a necessary foundation for the success and survival of the business. However many Small Business owners do not have a Business Plan because they cannot find the time to prepare one, having jumped into running the business without doing the ground work of planning.