Kuala Lampur, Oct. 6 -- One of the most familiar experiences in microbusiness is having a business that looks busy while the owner continues worrying about money. Orders are coming in, parcels are waiting to be shipped and customers are active during live-selling sessions. Then the end of the month arrives.

Suppliers need to be paid. Packaging needs to be reordered. Advertising has already taken part of the revenue. Some products were sold at a discount, while new stock needs to be purchased. Suddenly, a month that looked very busy no longer feels particularly profitable.

This is one of the lessons that comes with experience. Sales do not necessarily mean that a business is financially strong. Money can constantly move in and out, with ...