The owners of small businesses often cite access to capital as their most dire need.  The Fiscal Fitness Program is designed to give you, the business owner, the ability to address that need.  Fiscal Fitness is a one-on-one, confidential, financial management consulting process designed to strengthen your financial literacy and improve your ability to access the capital you need to grow your business.

As a result of participating in the Fiscal Fitness Program, you will be able to:

	Use your Income Statement and Balance Sheet to understand your company's financial strengths and weaknesses
	Identify ways to improve your company's cash flow
	Determine the capital needs associated with your planned growth
	Create an effective loan proposal to address your capital needs

You will have up to four 1-1/2 to 2 hour consulting sessions with a Michigan SBTDC consultant over the course of four to eight weeks to complete the program.  In each meeting we will use your actual company information to ensure that you gain a clear understanding of how these concepts work in your own business.

At a minimum, you, the business owner / CEO, must attend all meetings.  In addition, your management team may attend any or all meetings, at your discretion.  If desired, you may include your company's outside accountant.

We think the Fiscal Fitness Program will offer you an opportunity to gain stronger control of the financial aspects of your business and improve your opportunity to access the capital you need.  We welcome the opportunity to support you.