A National Small Business Association study showed that among 500 businesses polled, 44% said they had used credit cards to meet capital needs in the previous six months. 57% said their card terms had worsened over the last year.

The tightening of credit has made it difficult for a growing number of smaller companies to meet payroll and fulfill customer orders, while still others have been forced to lay off workers.

In these tough economic times of falling demand, impatient creditors, tight credit and fierce competition, staying in the black is a constant battle, requiring that business owners be smart and decisive under pressure.

How To Save Your Small Business, written by a business owner who has survived three decades of challenges, provides 12 no- nonsense strategies for protecting personal assets from creditors and surviving the current recession. These strategies tackle such concerns as:

knowing whether or not the business can be saved

how to make the most immediate & effective cuts

how to pay bills, negotiate debts, and get everyone in the office paid on time

how to market creatively, effectively and cheaply

how to sell high margin services to get back in the black

how to protect your personal assets from creditors

and much more, including how to proceed when going out of business is inevitable.

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