First of all, we’ve all cycled at least once in our life, I mean come on – you do of course remember getting your first bike and falling off it many many times right? Well a few of us uphold this exercise once we get older, and that’s fair enough – we all live busy lives and it’s often hard to find times to do things for ourselves.

Debt is a part of small businesses’ everyday financial reality, but unexpected events (like a pandemic or recession) can make it difficult to repay your debt on time.