When you manage a VSE, an SME or even a self-employed business, and you have to juggle a lot of costs (fixed, variable, supplier, exceptional costs, etc.), it is not necessarily easy to find your way around in terms of cash flow management.

You have good relationships with your suppliers. Despite tense negotiations on prices, they were always flexible on payment terms and allowed you to give your cash flow breathing room when it needed it. Until one day your partner calls you and demands cash on delivery, which has never happened before. When you ask him why, he explains that you are no longer covered by credit insurance. You had never heard of it until then.

Among the possible financing levers, we obviously find the bank credit. However, we often find ourselves taken aback when we make a request for financing from your bank.

While we promised the sparkling Mark Zuckerberg a bright future, in particular thanks to the IPO of the most famous social network, it seems that the clouds are gathering above his head and the Palo Alto firm. Indeed, since the catastrophic IPO, including a loss in share value of nearly 50% and the results which are relatively disappointing, it is not clear how Facebook could get out of this slump, at least in the short term...

Have you ever heard of “liborgate” ? Not yet ? It would be time to get up to date because it is financial scandal who will occupy the banks throughout the summer and even after... I advise you to take advantage of your vacation, if you are lucky enough to have one, because in my humble opinion, there are some who will have a painful awakening!