Business owners, whether in the start up or growth phase, frequently find that cash flow is a challenge. It is difficult to acquire a small business loan in the current economic climate. Yes, we are seeing some indications of recovery, but the lending environment has not seen a big turnaround in terms of ease of getting working capital for new or growing businesses. There are many reasons for this, but at the top of the list is the business’ lack of a ‘bankable history’ that lenders need to assess their creditworthiness. How is a fledgling business to improve their bankability?