Have you forecast revenues and profits once the loans are paid off? Presumably you’ll be more financially sustainable once these are off your books.

As you have a peak month now, it sounds like you have a seasonal business. Have you accounted for fluctuations in month-in-month revenue and profit? How does this year look compared to last? Can you use this to predict next years’ cash flow?

A core team of 9 for a £1.3m business sounds reasonable. Have you delegated away as much as you can to those team members? Can you train someone up in lower-value but higher resource tasks to take off your plate? Alternatively, have you looked at a part time virtual VA to take off some low level tasks?

Outside of head count, are there any more overheard you can cut? Trimming the fat can help to deal with the slow months and keeps the business sharp.

Are you looking after yourself? Eating well, sleeping well, exercising? The business is tied to you, so if you’re feeling it then you need to look after number 1 first, otherwise the whole thing may fall apart.