This is not a drill. Summer 2022 is as assured as anything can be in the pandemic era, and for recovering small and medium-sized businesses (SMBs) cash flow is the make-or-break problem being solved by payments platforms that let entrepreneurs enjoy profitable growth, as Prashant Gandhi, chief business officer at Melio, and Adam Dunn, owner of Cape Cod, Massachusetts restaurant The Pheasant, told PYMNTS.