• Are you constantly using 100% of an overdraft facility?
• Have you had cheques returned in the last 12 months?
• Has the bank refused additional facilities?
• Have you considered mortgaging your family home just to stay in business?
• Are you being sued for money owed?
• Have you recently lost and not replaced a large customer?
• Are your last audited accounts more than nine months old?
• Have you been fined by the ODCE?
• Are you having unusual difficulty collecting money from debtors?
• Are you experiencing difficulty being supplied?
• Are your co-directors seeking to retire?
• Are you losing staff faster than you can replace them?
• Is your company credit card in arrears?
• Have you considered factoring your debts?
• Are you personally earning less money than some of your employees?
• Are you experiencing difficulties replacing old vehicles, computers or equipment?
• Has the Sheriff written to you or visited you in the last six months?
• Does the bank want to convert the overdraft to a term loan?
• Does your head say speak to someone but your heart says battle on?

If you answer yes to any one of the above, we should be talking today.