It was set to be a normal Friday 8 a.m. meeting. We were 30 days into the COVID-19 pandemic. Ninety percent of our employees were working from home safely, and we were keeping our clients’ fleets on the road. Our mantra was “keep America moving.”

Just two minutes later, nothing was normal. The meeting with our lead financial partner lasted less than 120 seconds, and the message was clear and to the point: “There is no money in the market for you, your clients, and your growth. Stay liquid and stop your funding. We are pens down–there is nothing we can do for you.”

My team hung up their phones from different locations, and I sent out a Zoom video conference invite for an internal meeting at 8:05 a.m. During those few minutes, my mind raced. I thought through our options and quickly realized we only had one.

What happens after “no”

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