James Short of hgkc speaks to Mark Watts, owner and founder of Yumo Finance,about the importance of understanding the financial flows through a business, and of planning in advance even in times of uncertainty. As an independent broker with a background in banking, Mark offers invaluable advice for how business owners can improve their cash flows and shorten their working capital cycles without resorting to borrowing, but also makes the case for borrowing at a time when loans are such a cheap form of money.