#CreditInsightsWithSangeeta | Day 29 As a credit officer, understanding how to size working capital using the operating cycle can greatly improve your lending decisions. Instead of just looking at turnover…
Working as credit professionals in a public sector bank and dealing with MSMEs (Micro, Small, and Medium Enterprises), over the years i have learnt that traditional methods like credit scores…
In credit appraisal, hearing “audit is done — remarks are normal” or “no major issues found — all OK” after a stock audit or account conduct review is common. But…
One of the biggest pain points for MSMEs today is delayed customer payments. You’ve delivered the goods, raised the invoice, but now you're stuck waiting 30, 60, even 90 days…
Let’s be honest the words “Balance Sheet” sound intimidating.Columns, numbers, assets, liabilities. It’s enough to make most MSMEs and even junior bankers panic. But here’s the truth: a balance sheet…