... delay in a large payment from a counterparty or a sudden drop in demand. Having a reserve, you will gain time to recover without loan defaults. Optimization of expenses and investments. After receiving a loan, do not relax, but on the contrary - closely monitor the efficiency of every ruble spent. Borrowed money should work with return. If any of the planned investments does not bring the expected result, review the plan: perhaps it is worth redirecting the remaining funds to more productive needs. At ...