In the early days of starting a business, the hours can be long and the pressures high. You are generally on your own—with few or no employees, working out of your home or a business incubator. You probably have one product or service under development and few assets in place. There is a critical need for financing capital, but without a proven cash flow record, loans are hard to come by.

In these early days when you are geared for survival, your business needs protection. You are most likely concerned about meeting the following financial needs: