For small and midsize businesses (SMBs), the current climate is extremely tricky. According to recent data from the US Bureau of Labor Statistics, around 20% of small businesses fail within the first year, and 50% fail within five years. 82% of these failed businesses cite cash flow problems as a factor in their failure. Cash flow management is especially difficult for businesses working with physical goods. There is a good chance that at minimum certain raw materials, and at most the entire product, is made offshore and shipped in for sale; it may then need to be shipped out again to someone …