“I have a diversification problem: 95 percent of my revenue is derived from one government program. This is an issue that I have been aware of, and I am actively working on.”

“Do you understand what has changed in your business that has created your situation? Is the change temporary, or is it permanent? “

“The business cases for expansion are tougher to make with higher rates - for capital, labor, or anything else - and they should be. But this doesn’t mean every scenario is dead.”

“ I really do feel as if I’m in withdrawal. It is extremely difficult not to open my email box throughout the day and take a sneak peek. When my phone pings, I need to know: Is it important?”

“The problem weighing on me back then is precisely the same problem weighing on me now. In the three months that have passed, I have not moved the needle. “

Fortunately, the Covid crisis has passed. Sadly though, it doesn’t seem as if the SBA has learned the right lessons from this experience.

“Len recognizes that his office manager’s skills are limited, which is why he often finds himself facing cash-flow problems. When this happens, the fear can be crippling.”