Don't have a remedy for the second part, but for the first part it would be a huge help and a suitable hedge against business interruption if those small businesses took care to operate within monetary safety guidelines.
So many business startups are on a bank loan based on a guesswork figure of hoped-for profitability - together with the first year's stock. That loan is usually with the security of the domestic house. Optimism springs eternal.
That's why the banks are so ready, a sure-fire good risk - for them. It's also worth noting that even the ubiquitous unsecured loan has conditions - more often than not never read. One of those conditions is very nearly always an unlimited liability for security. Like paddling a holed canoe over a weir.
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member no. 235
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