Hi I'm based in Scotland and struggling with money right now. I'm self employed and recently expanded the business, but I'm not making anymore money. I have 2 shops now and struggling to keep up with rent and suppliers bills. This has meant my income is down too and struggling with personal commitments too.

One of my employees has expressed an interest to buy out one shop and has an investor in line. I've been terrible at keeping up paperwork and don't know what to do.

My dad hasn't been well too and it's adding to the stress as I've had to take time off just as I opened the second shop. I'm at my wits end and don't know what to do.

It's all of my own making and I'm not looking for a dressing down just help. My credit is so bad that I can't get anymore borrowing.

Someone please help with good advice if you've been in my position.