There comes a time in the life of all start-ups, small and medium-sized enterprises that require the founder to act courageously and decisively. Many times this involves sacrificing a few to save the many. If you’re concerned about damaging your credit score, D&B rating or personal friendships then you will not succeed. Rarely is there a risk-free move. If you don’t make the moves then you will lose your business to somebody else who has the courage to act.