Practical finance for growing businesses.
Business finance, MSME growth, accounting, compliance, cash flow and strategy — written by the Bebaak team for owners and finance teams.
Profitable but always short of cash? Measure your cash conversion cycle
Why profit and cash drift apart, how to calculate receivable, inventory and payable days from your own books, and three levers that release cash.
Paying MSME suppliers within 45 days: what Section 43B(h) means for your books
The income-tax rule that disallows late payments to micro and small enterprises, and a simple routine to stay on the right side of it.
A monthly GSTR-2B reconciliation routine that protects your input credit
Input tax credit is generally available only when it appears in GSTR-2B. Here is a simple monthly routine for small finance teams.
Five ratios your banker checks before sanctioning a working-capital limit
Current ratio, DSCR, TOL/TNW, debtor days and interest coverage — what they mean and how to improve them before you apply.
How to export a clean trial balance from Tally, Zoho Books or QuickBooks
The one file most financial analysis needs — and the settings that make it usable.
How a 5% discount can wipe out a quarter of your profit
Contribution margin, break-even and why discounts need more volume than you think.
Want this done for you?
Our CA-led team can run these routines every month.