Michelle is a Construction Lawyer, Adjudicator and a Security of Payment consultant helping subcontractors get paid and manage compliance with security of payment systems. But more importantly, Michelle used to be a builder's contracts administrator, and some of the builders she worked for were in severe financial distress. Michelle speaks to trade business owners, builders and suppliers who struggle every minute of business life with cashflow highs and lows, delays, and late payment by their clients. These struggles are more than just an insolvency issue - they take a real toll on the people behind the businesses.