I can certainly understand your position and I would want to protect my hard-earned cash as well.
Personally, I would try to stay as local as possible so that I could stop by and check on progress from time to time. That would also give me a chance to watch for warning signs around the shop (supplies running out, fewer jobs coming in, less employees, phones not ringing, etc.). Communication, presence, and a written plan sound like the best way to protect yourself...
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