Small businesses are the backbone of local economies and the organizations that face the most competition; which means they are also the most difficult to keep afloat. According to the Small Business Association (SBA), at least 30% of small businesses tend to fail in the first two years, and as time progresses to the five- and ten-year marks, the likelihood of closing one’s doors becomes even more significant (at least 50-60%). These statistics have remained steady over the y