Maybe you have no intention of borrowing money in this economy. But if you think you might need a bank loan somewhere down the road, now is the time for "dressing up" your accounting system, advises former banker Kate Lister. Lines of credit, profit margins and inventory are all items the bank will examine closely, so it's best to audit yourself long before you walk through the door. "[Your] banker is the last person you want to uncover a flaw in your business operations," she writes.

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