What Is a CMA Report? – A Simple Guide for MSMEs & Credit Analysts
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…
Why MSME Lending Needs More than Just Algorithms?
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.…
MSME Loans Demystified: Fund-Based vs Non-Fund-Based – Which One is Right for You?
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…
The Hidden Costs of Ignoring MSME Digital Transformation: What Every Small Business Owner Needs to Know
Picture this: It's Monday morning, and Ramesh, owner of a small textile manufacturing unit, is frantically searching through stacks of paper invoices while his competitor across town processes orders with…
Don’t Let EMIs Sink Your Business – The Real Meaning of Affordability
1 Minute Business Gyan – Day 4 When running a business, ambition often fuels our decisions. It's easy to believe that confidence, intent, and willingness are all that matter when…
MSME: Sustainability and Green Practices
Building Greener Businesses for a Sustainable Tomorrow “The future is green energy, sustainability, and renewable energy.” – Arnold Schwarzenegger Micro, Small, and Medium Enterprises (MSMEs) are the backbone of most…
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…
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.…