The Hidden Cost of Poor Working Capital Management — And How to Improve It
Working capital problems create cascading effects that quietly undermine business stability. When cash flow tightens, operational decisions become reactive rather than strategic. Understanding these hidden costs and implementing targeted improvements helps business owners maintain liquidity, preserve profitability, and support sustainable growth. What...
Working Capital Funding Gap: How to Calculate and Address It
If your business is profitable on paper but constantly short of cash, you might not be in the wrong. This happens often. Many Indian businesses, especially growing MSMEs, find themselves stuck in a cycle where sales are increasing, orders are...
From Payroll to Inventory: Top Uses of Working Capital Loans for Small Businesses
Key Takeaways From Payroll to Inventory: Top Uses of Working Capital Loans for Small Businesses For many small businesses, a working capital loan plays a critical role in managing everyday cash flow challenges. Delayed customer payments, unpaid invoices, seasonal sales...
How Fast Loan Approvals Can Save Your Business During Peak Season
Key Takeaways Timing is Critical: A loan’s value during peak demand often depends more on how fast it arrives than the final amount. The Fintech Advantage: Digital lenders (Fintech-led NBFCs) significantly speed up the approval process from weeks to days. Be Prepared: To secure the fastest approval, ensure your...
Jogging Tracks, Process Improvements, and Being Consistent – Part 1
While walking briskly on the jogging track the other day, I saw a man standing in the middle of the track, fumbling with his watch. As I passed him by, I tried not to stare. But with a quick glance...
Old Photographs, Discipline, and Broken Windows
Last week, on a lazy Sunday afternoon, I decided to reorganize the cabinet that sits besides the dining table in my home. To tell you the truth, the reorganization is only an excuse, as the cabinet only contains the old...
Standing Your Ground: The Importance of Assertiveness
I love to read, and not just books. But the other day, I realised with a shock that every year, it’s getting slightly more difficult for me to read. The image of a frog sitting in a pan of water...
The Power of Execution: Turning Strategy into Results
Quotes, Definitions, and Getting Things Done I like quotes. They are snippets of wisdom that make you think about new ideas, or about the same old ones with a fresh set of eyes. In the morning, I often read a...
The Art of Short-term Planning
“Chopping Onions, Monthly Plans, & Two Fictional Managers” Lately, I have rediscovered the joy of cooking. It’s a great stress reliever. There is something about making things with my own hands; It brings me back to the present moment. If...
Pro Tip: Delegation for Effective Management
“To delegate or not to delegate, that is the question.” I thought out loud, a week after watching the performance of Shakespeare’s Hamlet, adapted in Marathi. My friend joked, “You missed a calling. You should have become an actress!” I...