South Africa’s SMB or SME market makes up for 91% of formalised businesses, provide employment to about 60% of the labour force and have a total economic output for roughly 34% of the GDP. That’s impressive, it’s basically the back bone of the economy, which means that the owners of these SMB’s have a huge amount of pressure on their shoulders to succeed. Unfortunately, over 90% of start-ups fail in year one which means that most business owners fail to successfully navigate the challenges of a business. I am a South African entrepreneur and have faced the following 5 challenges growing my business’s and would like to share with you my experience and what I believe are some valuable insights for business owners.

  1. **Cash flow, Finance or Credit

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