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Many lenders will ask you to provide a personal guarantee against this business loan – and there’s a risk element to consider when taking out finance.

When you’re a small business owner, sole trader or freelancer, asking for payment on overdue invoices can be a delicate matter.

Knowing the difference between cashflow and profit – and how cash and profit contribute to your success story – is a vital skill if you want your business to have the best possible financial health.