A profitable business can still face periods when cash arrives later than expenses need to be paid. Customers may take time to settle invoices while wages, rent, suppliers and operating costs continue on schedule. For an SME, repeated gaps like these can place pressure on day-to-day operations. Recognising the warning signs early can help business owners assess their options before a temporary cash flow problem becomes harder to manage. In some situations, a working capital loan for SME requirements may provide a way to address short-term funding needs, provided the...