Need a discussion post with 1 reference

Running a business presents challenges such as managing finances from a broad scale, including ensuring the bills are paid, credit is not misused, and keeping the doors open. In downturns of the economy, there are challenges that business owners face which may cause them to be unable to maintain their commitments or meet their financial obligations. If you were an employer who came upon difficult times, how would you handle such a situation? Do you think there are ways to combat such challenges without having to lay off employees or shut down entirely? Discuss the ethical concerns this might present.