Openpay is growing too slowOption 1 - extend credit to riskier accounts, which depletes cashOption 2 - further reduce workforce and overheads which will slow sales growthOption 3 - increase fees which will likely reduce sales growthOption 4 - get more capital whilst they can or simply fold, otherwise options 1 to 3 may result in insolvency. It's ok if management salaries keep being paid and silly shareholders keep being diluted.