Entrepreneurship is alive and well in America. Nearly 15 million people in the U.S. are self-employed, approximately 10% of the working population according to the Pew Research Center.  These entrepreneurs have an additional 29.4 million people working for them and together they account for approximately 44 million jobs, which is 30% of the national workforce.

For many of these self-employed business owners, much, if not all, of their net worth is tied up in their businesses. Adequate cash flow to cover operating expenses and managing through times when business lags or client payments are slow is a key concern, as is putting aside money for reinvestment in the business. Read more. Read More