This is an excellent example of why every small business should be using the Profit First methodology to strengthen their business.  I have been using and teaching this in my business coaching practices for the last 3 years and it has made an enormous difference. The primary difference between those who do and those who don't is confidence in what is ahead. None of us know for sure, but when you are confident in your cash position and your ability to consistently pay your bills, the peace of mind is highly evident. If you have not started using Profit First, I recommend you get the book by the same name and check it out. It will definitely be worth your time.