DOMINIQUE HANNAH SY
For the average consumer, the last quarter of the year is a time of festivity, celebration, and cheer. For the small business owner, the holiday season is arguably the busiest—and most profitable—time of the year. It is an important time for small businesses to leverage on the upsurge in consumer demand and end the year on a strong note. But all too often, the end of the year brings cash flow headaches for small businesses.