The major issue faced or endured by small businesses in Africa has been the in-flow of cash. It can be said that there have been long overdue payments which usually takes a month to three months after service and/or good has been rendered, but not forgetting that there have been scenarios that there has been little or no capital for these small businesses. Researchers have said that 85% of these small or medium businesses popularly known as Small-Medium Enterprises (SMEs) are subject to these problems that are the main culprits of cash flow issues.
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