business loan – Page 5 – Smart Credit With Sangeeta Blog

How to Use the Operating Cycle to Size Working Capital (Not Just Turnover)

Post author:Sangeeta Sharma
Post published:July 19, 2025
Post category:MSME Finance
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#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?

Post author:Sangeeta Sharma
Post published:July 18, 2025
Post category:MSME Finance
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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…

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