By Sangeeta Sharma – Credit Advisor & MSME Coach | Smart Credit with Sangeeta Introduction: Why Every Business Owner Must Understand the Balance Sheet Running a business without understanding your…
By Sangeeta Sharma, MSME Credit Advisor Even one MSME loan can impact your CIBIL score and internal bank ratings. Learn how credit behavior affects your business loan eligibility and how…
If you're an MSME owner or a credit analyst, you've likely come across the term 'CMA Report' during a loan application process. But what exactly is it, and why is…
In a world chasing automation, MSME lending still needs human intelligence. Here's why algorithms alone can’t serve India's most dynamic business segment—and what real credit officers know that tech doesn’t.…
As an MSME entrepreneur or finance professional, one of the most important decisions you’ll ever make is choosing the right type of loan for your business. With so many options…
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…
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…
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…
“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.…
#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…