RUNNING a small business often feels like juggling while walking on a tightrope — it's a balancing act that can risk everything with one wrong step. There's constant pressure to grow and keep up with demand, but the reality is that cash flow is tight, and every decision has to be weighed carefully.

One day you're thinking about how to expand, and the next, you're hit with the challenge of acquiring the tools you need to keep things running smoothly. However, the upfront costs are huge, and for many medium, small and micro enterprises (MSMEs), it can seem like an impossible feat.

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