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7. Bank on it—Your banker is probably as scared as you are. If you’re having trouble keeping up with your obligations, steer clear of the banker until you can show a concrete plan for getting cash flows back in shape. Use the steps above to create the basics for the plan, and ask your CPA to help you format it. Once it’s complete, communicate with your banker clearly, and ask for help implementing the plan. If it’s a quality financial institution, they’ll want to see you make it, and help you any way they can.
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