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Bankruptcy filings are at a multi-year high. Government shutdowns are freezing nonprofit reimbursements. Small businesses are struggling with cash flow while their customers delay payments. In this critical panel discussion, we tackle the funding realities facing businesses and the creative strategies to survive and thrive. Featured Panelists: Dylan – Turnaround Management Consultant, Metalwork Advisors Matt – Blue Sky Partners (nonprofits & social impact), Trinity University Entrepreneurship Faculty Jennifer – Financial Advisor Bill Thompson, Associate Director – Texas State SBDC Moderated by Dr. Jana Minifie, Certified Business Valuator Key Takeaways: 💡 "Cash flow is what gives you a heart attack. That's what we're seeing right now." 💡 "If you're concerned about making payroll, give yourself at least 90-120 days. Do NOT wait for the last minute." 💡 "Nothing will put a business in bankruptcy faster and more reliably than a merchant cash advance loan." 💡 "Bankruptcy doesn't follow you around for the rest of your life—your house and livelihood are protected."