The Turnover Trap: Why High Sales Don’t Guarantee MSME Success?
1 Minute Business Gyan – Day 3 We’ve all heard the phrase: “Business is booming!” For many MSME (Micro, Small, and Medium Enterprise) owners, seeing sales climb is proof that…
Delayed Payments Can Kill a Growing Business
1 Minute Business Gyan – Day 2 When Sales Are High, But Cash Is Low – The Danger of Delayed Payments “Hamari sales toh bohot achhi hai, par paisa time…
Digital First, Digital Fast: How MSMEs Can Secure Growth in 2025?
#SmartCreditWithSangeeta | #MSMEGrowth | #DigitalMSME “The future is digital — but only those who act fast will benefit.”Welcome to a new era of business. MSMEs are no longer on the…
Don’t Let One Customer Decide Your Future: A Fresh Perspective for MSMEs
1 Minute Business Gyan – Day 1 Why Too Much Dependence on One Customer Is Dangerous Let me share a true story. It’s one I’ve come across many times in…
10 Things I Know Now After 10+ Years in Credit – And None Came From a Textbook
“Credit is technical.” “Credit is all about ratios, formats, and policy.” “Credit is a desk job. I can’t do it. It’s really tough.” That’s what I believed when I started.…
You weren’t born to shrink. You were born to shift the ground you walk on.
You weren’t born to shrink. You were born to shift the ground you walk on. Read that again. You weren’t made to fit in small rooms, wait for approvals, or…
How to Use the Operating Cycle to Size Working Capital (Not Just Turnover)
#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…
Why Banking Transactions Matter in Credit Assessment – More Than You Think?
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…
Why Credit Officers Should Read Between the Lines of Audit Reports?
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…
Invoice Financing: Unlock Your Working Capital Without Waiting for Payments
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…