Imagine your business hits a rough patch. Your friend, bless their kind heart, offers you five thousand dollars to help out. You shake hands, thank them, and promise to pay them back “when things get better”. No papers, no lawyers, just trust. A few months later, your business picks up, …

Imagine you are walking through your office or factory. You see an old computer sitting on a desk. It still turns on, and you can still type on it, but it is so slow that nobody wants to use it. Or perhaps you have a delivery van that still drives, …

Imagine you have been working hard in your shop for three years. You sell products every day, you pay your bills, and you even have some cash in your pocket. But then, a bank manager or a tax officer asks you one simple question. How much capital do you have …

Imagine you own a delivery van that breaks down in the middle of a busy week. You take it to the mechanic and spend two thousand dollars to get it back on the road. You feel relieved, but then you sit down at your desk to record this in your …

Imagine waking up to a letter from the tax office. Your heart sinks. They want to see your records from three years ago. You look at the pile of faded receipts in a shoebox. You look at your bank statements that show hundreds of “miscellaneous” withdrawals. You realise with a …