Change is inevitable, and it either happens to us or we influence events toward the change we want. Maybe we want relief from the tedious monotony, or the general angst, or the cash-flow or complaining customer, people issues, night-sweat worries of the status quo. On the other hand, maybe we’re doing okay, but we want to do better or to have the time and freedom to enjoy life.

Whatever our motives, as Thomas Jefferson said: “If we want something we have never had, we have to do something we have never done.”

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I suspect that most of us could use an extra $100,000 in cash.  It would sure be nice to have cash to pay down the line of credit, get current with suppliers, or catch up on payroll taxes. Access to easy cash makes so-named merchant loans pretty attractive.

You know the loans, they’re the ones where they make a few cursory checks of your credit score and bank statements then wire money directly into your account. Presto, cash problems resolved (for the time being anyway).

Sounds too good to be true doesn’t it? It is.

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All of us in business owners are concerned with cash.

We are under constant pressure to balance a limited supply of cash with the seemingly unlimited demand from cash-consuming sinkholes such as operating expenses, accounts receivable and inventory - and that’s just normal operations.

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We cannot afford to “settle” for substandard team members just because we are uncomfortable firing them. We cannot afford to “give them 90 more days” because that sets us back 90 days in our search for the right hire - and it sets them back 90 days in their search for the right job.  

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