I was a business lender for 30 years. Strong cash flow/budgeting experience with business owners. Expertise in structuring financing/debt designed to improve business performance. Strong skills in assisting entrepreneurs to prepare for the business loan application. Effective in communicating with the entrepreneur to understand how their daily business decisions create their cash flow to be more successful. Expertise in assisting entrepreneurs to determine if the business should continue or shut down. Emphasis on cash flow budgeting and break-even analysis. Founded Priora® Cash Flow Management, LLC in 2003.