Business insolvency advice fore small business problems can be given by licensed insolvency practitioners that are trained to handle debts that are owed by businesses especially the outsiders. When a small business is experiencing problems, there are people that have been specially trained to analyze the insolvency situation from a legal point of view. From there, the practitioner will be able to make a plan of the problem to be solved. There is the common cause of insolvency where the business will not be able to pay the money it owes to the creditors, but there is also the other reason where the business will not be in a capacity to pay its bills in time. During those two times, the practitioner can help the business to make an insolvency balance sheet and a cash flow balance sheet. These two will show exactly how much money the business has, how much money it owes and whether the business will be in a capacity to pay the debt.