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As a business owner, you have a lot of responsibilities. Getting paid on time shouldn't be one of them. By following this guide, you will improve your cash flow, increase your profits and free yourself up to grow your business. The guide is meant to be used as you need it. You can follow it from the beginning through to the end or you can refer to different topics as needed. When applicable, templates have been included for you to use in setting up or improving your own credit and collection functions. The guide is designed to be enjoyable as well as educational. The author shares his experiences which the reader will find valuable.