Financial statements are the heartbeat of your business, they tell you whether you're healthy and thriving or struggling and in need of intervention. Yet many business owners feel intimidated by…
Every successful business owner needs to grasp two fundamental concepts that form the backbone of financial management: assets and liabilities. These aren't just accounting terms, they're the building blocks that…
Last week one of my relative called me for a mail she received from the bank for the third time. Her ₹45 lakh business loan application was rejected. She said…
When GST first arrived, most business owners saw it as yet another burden like a rule to follow, a form to file, a fine to avoid. But inside these returns…
MSME lending is stepping into a new era where data is the new collateral and algorithms are the new underwriters. But this future isn’t just about fancy models rather it’s…
What if I told you the biggest asset your business owns isn’t on your balance sheet? Many companies are sitting on a goldmine of value they don’t even recognize. In…
When you think about the challenges faced by Micro, Small, and Medium Enterprises (MSMEs), access to finance almost always tops the list. Despite their contribution to GDP, employment, and innovation,…
When most MSMEs hear the word collateral, the first thing that comes to mind is property papers. But here’s the truth: for a banker, collateral is much more than just…
Running an MSME is no less than running a household. Some months you save, some months you borrow, and sometimes an unexpected shock may be as small as like a…
Working capital is the oxygen of every MSME business. Without it, operations stop. With too much strain on it, businesses suffocate. And yet, most entrepreneurs don’t realize how deeply bankers…