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Sinful loans or slow death: 6 steps to not kill your business

Very often I come across the opinion of businessmen about the fact that business without loans is impossible.

Most of this is proved by those who are fed up with loans, but are trying to take more. Let’s look at loans that are taken for operational activities, and step by step see what to do in this situation. Most often, loans are taken to pay suppliers and, as it were, to “improve the business.” But business recovery is not in new loans, but in reorganization. We will analyze the situation and take a step-by-step action plan so that “sinful loans do not kill your business”.

So. Since there is not enough money for operational activities, and the business itself cannot be unprofitable, then we are conducting our activities incorrectly!

The most important thing to understand is that! That there is a gap somewhere! And not just shut up your business with another “health” loan. If you understand this, then it will be easier. Lack of money in the business for RAM, I would call a state of danger. What is a condition – these are the circumstances in which you are, the conditions that surround you. It turns out that in such a situation we are surrounded by danger. And there is. Now let’s analyze this state in steps, what exactly should be done if you have already got into it! I will not write steps to the leader for subordinates, if you are the leader and have driven the business into this situation, then you yourself must cope. The decision to take or not to take a loan is also yours!

1. The first step: get around the habits that led to this condition.

Going around means going the other way, understand? But to go the other way, you need to understand, but which one did I go? What actions led to certain circumstances? In different companies, these may be different situations. Well, for example, over the past six months, customers very often ask for a refund for a product / service. So, the problem here is not with sellers, but with the quality of the goods and services provided. Or you constantly promise that you do not fulfill. Or, for example, you chronically do not reach the desired level of income. Well, firstly, it’s good that you know what level of income you need. Maybe the situation is very simple. For example, it is necessary that the income is 5 million rubles per month. One seller sells an average of 1.3 million – and you only have three sellers!

One way or another, it is very, very important to understand what exactly led you to a lousy state! If you do not understand this, then go no further! Well, if everything became clear, then you will feel relief and can proceed to the next step.

2. Second step: deal with the situation.

This step does not mean understanding what needs to be done. And it means to do it. For example, if there are really not enough sellers, you can temporarily throw someone to this post for half a day. Let at least do information calls and what is in their power. In general, it is necessary to really raise income here. After all, when we have a fire, we don’t say that putting out it is not my function, so let Sasha and Masha drag the water, and while I sit, I’ll print some pieces of paper. And if the income has risen to the required level, you proceed to the next step! That is, at this stage, you coped with a shortage of money. It is at this step that you also decide to take a loan or not. If the fire fighting does not help, and the suppliers do not ship the goods to you and there is no way to quickly change the supplier – and another 100500 reasons why the business can really stop, then yes, you take a loan! But do not forget, at this stage you managed with a low income, and not just took a loan! Go ahead.

3. The third step: to admit to yourself that this situation arose precisely because you did not perform your functions to the right extent.

Just accept this 100%! That you were doing something wrong. If you realized that it was your responsibility to prevent this state of affairs, then move on.

4. The fourth step: let’s talk more specifically!

Maybe you did only what you were comfortable doing, or you wanted to seem like a kind and fluffy boss and there are many more “ands”. You really have to be aware. Better yet, write out everything you didn’t do. You will need this for the next steps! As soon as you feel that the blood in your veins has played in a new way and you are full of enthusiasm, then you are ready to move on.

5. Fifth step: to change, reorganize the region so that the situation does not happen again.

In the example with sellers – to hire, for example, two more sellers. In the low-quality example, organize a quality control area, set the necessary quality standards, call all customers, settle them or, in extreme cases, see when you can return the money and agree, but it’s better to settle some additional bonuses by telling how you changed the scope of quality control.

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