If there is one thing that Covid-19 has taught us, it is that for every business that succeeds, ten others are failing and possibly even more during times like this. Under normal business conditions, most companies tend to focus on growing their topline through increasing market share via acquisition or market expansion. This is mostly done through debt borrowings which have been relatively cheaper for many years. Routine cash flow and working capital needs such as negotiating credit terms, paying bills, and collection of receivables turnover are often taken for granted. However, during unprecedented times such as these, things don’t usually go as expected. When an impending economic recession hits the shore, most companies scale down on their spending and tend to return to the basics through managing their cash flow, particularly how much their cash flow can last them. During times like this, there are constraints at all levels including how much capital expenditure they should spend and how much savings they should have to endure this long winter period....