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The first thing you should do is take your internal pulse. Although every business is unique, the following are the most common causes of financial difficulty:

• Expenses that exceed revenues
• Improper or inadequate financing
• Overly rapid growth incorrectly funded
• Poor management skills and business know-how among business owners/key management
• Ineffective mechanisms for decision-making and problem-solving
• Inadequate attention to marketing or an ineffective marketing program
• Key customer groups experiencing a financial downturn
• A poor or faulty product or service
• Lack of an adequate market for a product or service

"Face reality as it is – not as it was or as you wish it to be" – Jack Welch