Working Capital

If you supply goods or services to a large company, a PSU, or a government department, you know this pain well: the work is done, the invoice is raised, the buyer has acknowledged it — and now you wait 60,…

Most MSME owners know that cash is tight. Fewer understand precisely why. In a large number of cases, the answer is sitting in one number: debtor days. Understanding and fixing your debtor days is one of the most high-impact financial…

Three ratios. One bank decision.Every time you walk into a bank for a credit facility, three numbers determine the outcome more than any other factor.DSCR — Debt Service Coverage RatioFormula: DSCR = EBITDA ÷ (Annual Interest + Annual Principal Repayment)What…