CrashProof your Business book cover
More than 15,000 people have purchased this book. 30,000 people attended the live seminars between 1995 and 2008. The book is currently listed on Amazon.com. (But nobody looks for this information until it is too late.) You get it free.

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Free book for small-business owners

If you have already signed a personal surety (aka guarantee), this is essential reading.

People about to sign sureties don’t yet know the dangers. This book is for anyone about to sign, and for anyone who has signed. You'll learn what to cross out, and how to do it.

One “standard” bank document cost me my home, credibility, and millions of rands.

I needed this information before I started, and then before my business closed. No such book existed. So I wrote it. It is the only book I know of dealing with these issues from the viewpoint of the business owner.

Let’s be honest

1. The trap
A personal surety cancels the “limited liability” of your business. You can do everything right and still be wiped out personally. There is an economic crisis every decade. Mine was 1992. But worldwide there were major financial crises in 2000, 2008, 2020 (COVID) which closed millions of business worldwide.

2. The timing
The book is very useful before you sign. In reality, people wake up after the pressure starts. It's crucial if you're facing business challenges. You'll see clear strategies to use when dealing with business creditors.

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Peter Carruthers
Small-business survivor
Author of CrashProof your Business

A few voices from the real world

“In 2017 we had to close our factory after producing drinking straws for the South African market for 37 years. It was a deeply emotional experience. Fortunately, we had attended Peter Carruthers' CrashProof training. As a result, we had not signed any surety for the business. We were able to close it without any personal financial disasters. Thank you Peter!”

Heinz Kabutz

“I remember very well the first course you ran on crash proofing your business and it resonated with me to the extent that I quickly got out of overdraft and was able to make sure that the bank held no sureties over me. From then on whenever a supplier asks for a signature I just say no and tell them it’s against my beliefs.”

Bill Nicoll

“I agree it is hard saying NO. Since coming very close to almost losing my home I will NEVER sign another surety or allow my family to do so.”

Des Kleinebst

“The Crashproof material saved me. I have never signed another surety and managed to get out of the ones I had. Had I not done this, I would have been in for a few million.”

Martin Coetzee