The holidays are upon us and often bring stressful challenges for some business owners. Many businesses tend to see a slowing trend toward the end of the year. Some businesses delay payments to suppliers resulting in a trickle down effect to the supplier, resulting in a cash flow deficit. This affects the supplier’s available cash for business operations. Purchasing and manufacturing become limited due to a cash shortage and payroll is a priority. Even with a bank loan, the business owner is responsible for re-paying the loan. If customers are delaying payments, the business owner may not be able to comply with the loan agreement.