{"id":43520,"date":"2026-02-04T08:00:26","date_gmt":"2026-02-04T13:00:26","guid":{"rendered":"https:\/\/ginsberg-gingras.com\/?p=43520"},"modified":"2026-01-27T06:23:47","modified_gmt":"2026-01-27T11:23:47","slug":"the-7-most-frequently-asked-questions-by-small-business-owners","status":"publish","type":"post","link":"https:\/\/ginsberg-gingras.com\/en\/the-7-most-frequently-asked-questions-by-small-business-owners\/","title":{"rendered":"The 7 Most Frequently Asked Questions by Small Business Owners"},"content":{"rendered":"

Running a small business means wearing many hats at once and juggling multiple responsibilities: operations, finances, clients, employees\u2026<\/p>\n

When financial pressure increases, it is normal to have questions \u2014 and often to keep them to yourself. Yet, they are almost always the same questions that come up when entrepreneurs consult a trustee for the first time. <\/p>\n

Here are the seven questions most frequently asked by small business owners, and why they deserve to be addressed early.<\/p>\n

1. My business is still operating, but I\u2019m short on cash. Should I be worried?<\/strong><\/h2>\n

Yes \u2014 and it\u2019s more common than you might think. A business can generate revenue while still facing cash\u2011flow shortages, especially when government remittances (GST\/HST\/PST income taxes) or monthly payments take up too much room. This is not a failure; it\u2019s often a sign that adjustments are needed.<\/p>\n

2. Can I delay paying GST\/HST\/PST or source deductions to prioritize other expenses?<\/strong><\/h2>\n

This is a common temptation, but also a risky decision. These amounts do not belong to the business, and accumulating them can quickly complicate the situation \u2014 both for the company and for the owner. The earlier the situation is reviewed, the more options remain available.<\/p>\n

3. Can I be held personally responsible for my company\u2019s debts? <\/strong><\/h2>\n

In some cases, yes \u2014 particularly for tax debts and unpaid wages. This often comes as a surprise to business owners. Understanding your obligations helps you make informed decisions and avoid personal consequences. <\/p>\n

4. Bankruptcy or proposal: does this mean I must close my business?<\/strong><\/h2>\n

Not necessarily. A proposal can allow debts to be restructured while continuing operations \u2014 a fresh start. Even bankruptcy, though difficult, can sometimes be a step toward a new beginning or a new project. Every situation is unique and deserves an objective analysis. <\/p>\n

5. When is the right time to consult a trustee?<\/strong><\/h2>\n

Often earlier than expected. When you begin juggling payments, postponing obligations, or facing short\u2011term cash\u2011flow issues, seeking professional advice \u2014 even preventively \u2014 is appropriate. <\/p>\n

6. Is it possible to consult a trustee without committing to a formal process?<\/strong><\/h2>\n

Yes. An initial consultation is free and without obligation. It\u2019s an opportunity to understand your situation, explore options, and assess potential impacts. No decisions are required. <\/p>\n

7. If I wait, can the situation really get worse?<\/strong><\/h2>\n

In many cases, yes. Waiting can reduce available options and increase risks. Acting early usually allows you to retain more control. <\/p>\n

Conclusion<\/strong><\/h2>\n

Asking these questions shows seriousness and courage. Small business owners carry a great deal on their shoulders and face complex financial realities, often quietly. Access to clear and objective information at the right time can turn uncertainty into a structured and controlled process.<\/p>\n

Still feeling uncertain or have additional questions? Consult one of our Licensed Insolvency Trustees (LIT), who will answer all your questions confidentially and with a human approach. <\/p>\n

The first meeting \u2014 whether in person or virtual \u2014 is free and without obligation. <\/p>\n

If you feel you\u2019ve lost control of your financial situation, there is no shame in consulting a Licensed Insolvency Trustee who can guide you and help you see a future beyond debt. <\/p>\n

There are several ways to contact the Ginsberg Gingras team:<\/strong><\/h2>\n

By phone: (800)567-1905<\/a><\/p>\n

Website: ginsberg-gingras.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Running a small business means wearing many hats at once and juggling multiple responsibilities: operations, finances, clients, employees\u2026 When financial pressure increases, it is normal to have questions \u2014 and often to keep them to yourself. Yet, they are almost always the same questions that come up when entrepreneurs consult a trustee for the first […]<\/p>\n","protected":false},"author":35,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[674,667,1065,671],"tags":[],"class_list":["post-43520","post","type-post","status-publish","format-standard","hentry","category-advice","category-blog","category-conseils-en","category-news"],"acf":[],"yoast_head":"\nThe 7 Most Frequently Asked Questions by Small Business Owners<\/title>\n<meta name=\"description\" content=\"Small business owners: 7 key questions on cash flow, debts, and trustees to act early and stay in control of your finances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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