It's essential for small businesses to put money aside for the times when they might struggle with debt according to Alliance and Leicester.
According to research from the group nearly half of the small businesses in the UK (45%) have money saved up in case they need help to balance the books in more difficult times.
Director of business banking at Alliance & Leiceste, Steve Jennings commented, "It is good to see that many business owners are regularly putting aside funds to protect their business against any unforeseen circumstances."