FOR Virginia Webb and Robert Winters, keeping their business afloat during the economic downturn is about more than just financial security for their own family. It's also about keeping the communities they serve thriving.

FOR Virginia Webb and Robert Winters, keeping their business afloat during the economic downturn is about more than just financial security for their own family. It's also about keeping the communities they serve thriving.

The couple, originally from New Zealand, have opened two organic bakehouse cafes in Glasgow over the past five years - Tapa in Whitehill Street, Dennistoun and Pollokshaws Road in the south side - and have plans to expand with a string of others across the city in the coming years.

However, it's a worrying time for even the most successful of small businesses. Virginia, 40, believes that for the government's package of measures to work, immediate action from the banks is required.

"So many small businesses are facing troubles that are outwith their control," she said. "Meanwhile they still have to stick to their long-standing business plans. Certainly, we've noticed that costs for food firms have been all over the place in recent months. Some will go under.

"These measures mean the banks will be able to spread their risk - I just hope they won't be reluctant to pass this money on to those who need it most. Banks are also service providers, and they should be doing everything they can to assist small companies in their area. Local businesses work incredibly hard and they help keep their neighbourhoods thriving."

Virginia and Robert are optimistic their business will survive. But they are not complacent.

"We've been managing to weather the storm on our own, but if the need arises, we would definitely consider using the guarantee scheme to keep us afloat, rather than putting people out of work," said Virginia. "The crunch time for us will come over February and March.

Historically they have been very busy for us, but this year we just don't know."