Thomas Nagy and Paul Meenan look into how to de-risk your business and why 90 day payment terms need to end. Contractor, Callum Biscoe returns to share his roadmap for de-risking your business and putting protection in place when sub-contracting to Tier 1 contractors. The Small Business Commissioner, Emma Jones joins the discussion to explain her plan to use the stick rather than the carrot to re-shape rules around payment terms and the detremental affect that waiting for payments has on small businesses.