In these uncertain times, businesses across the board have had to rethink their short-term and long-term strategies to cope with the new realities where minimal, or even zero revenue, has become the norm for the unforeseeable future. In such a situation, the most vulnerable are the small and medium-sized businesses (SMBs), whose regular channels of credit that keep their operations afloat have dried up as creditors refuse to lend until the arrival of better news.