text: i'm in africa & managing my own biz since 10yrs now.i'm facing financial problems now .any help,advice or tip?   the best advice is to pay off as many debtors away as possible and deal with as few of the remaining ones as possible.  so if you own 100$ to 10 people, and 400$ to 2 people, pay off the smaller 100$ loans.  then negotiate with the big lenders and give them a stake in your business and try to see who can be your partner.  try to expand your business partners to people who you trust, and don't go to the bank as they will eat you alive with the interest rates that are common place in africa 20-30%.  seek out venture capital, make a business plan to investors and see if they can take 20% minority stake in your company.  keep good accounts to show that you are serious with your business transparency to outside investors...   these are just some tips, again the litte information you give it's hard to help.  also a country would be useful, in ghana i'd tell you to go and see mr. donewell eku at speed ghana, which is an enterprise assistance agency, try to find such an agency in your country that assists small and medium sized businesses.