Owners Capital, Personal financial pressure → the owner may struggle with personal bills or commitments., Slower growth → relying only on owner’s capital can limit long‑term investment capacity., Retained Profit, Reduces available cash → could limit day‑to‑day operations or ability to cover unexpected costs., Slows expansion → if retained profit is constantly used, the business may miss out on long‑term strategic investments., Overdraft, High interest charges → can escalate quickly if the overdraft is used heavily., Creates dependency → business may rely on overdraft instead of managing cash flow properly., Bank Loan, Regular repayments strain cash flow → especially if sales fluctuate., Long-term debt burden → repayments continue even if profits fall., Government Grant, Strict eligibility rules → if conditions aren’t met, payment may be delayed., Grant may be withdrawn or clawed back if rules are broken later., Mortgage, Higher short‑term financial commitments- the business must commit to regular repayments regardless of performance., Property used as collateral could be lost- failure to repay could result in the lender repossessing the property.

Finance Risks

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