Letter to SME Founders: Healthy Cash Flow Still Breaks Without a Risk Firewall
Owners focus on revenue and margin, and forget to prepare for the day a key person cannot work or an unexpected legal claim lands.
TWQs Analysis Team
SMEs measure success by revenue and profit. Yet many of the owners we talk to in Surin did not stumble because of competitors; they were hit by a risk nobody had planned for: a founder falling seriously ill, a shopfront fire, a customer lawsuit.
Ask yourself one question: if you had to stop working for six months from tomorrow, could the business still cover payroll, bank instalments and supplier credit without selling assets?
A risk firewall is more than buying one policy. It means a clear line between personal and business assets, a reserve you can measure in months, and insurance only for the risks the business cannot carry on its own.
- SME Risk
- Cash Flow
- Business Continuity
- Founder Notes
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