SMEs & The complexity of financing model
Many entrepreneurs accept a complex financing model without dwelling deep into it and ended up in a messy situation to deal with if slips to distress. A few years back…
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Universalising Credit Guarantee- A need of the hour for MSMEs
Universal access to Credit guarantee schemes for MSMEs can be an effective instrument for human capital development in India Recently Karnataka State Finance Corporation(KSFC) came out with a scheme to…
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psbloansin59minutes.com: A new paradigm in the delivery of credit to MSMEs in India
Recently Govt announced setting up a digital platform to bring lenders closer to SMEs in India. It is a welcome initiative to improve the access to credit and make it…
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Turning around a failing business- A pragmatic approach
Many SMEs believe in an infusion of more funds to revive the failing business. The fact is the solution lies beyond money. In the previous blog, we analysed a business…
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“I want to shut down by two-year-old venture because it is a failure”
Many entrepreneurs who diversify are finding difficult to sustain the new venture. The source of pain lies in the poor planning at the beginning. Recently I met an entrepreneur from…
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A realistic DPR- Tool to win the confidence of potential stakeholders.
If DPR is prepared for the project with realistic assumptions and with the active involvement of promoters, it can help the promoters to strengthen their case to convince the potential…
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Risk Management as a part of start-up planning- A process to ensure the sustainability.
Making risk assessment as a part of new business planning will lead business on the road to success for SMEs in India Recently I had a new client seeking to set…
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Is working capital denied?: Explore options
Many a time when there is no or less working capital financed, the SMEs tend to curse the at the fate than looking around for possibilities thus aggravating the distress. In…
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Starting a new project without tying up working capital – A suicidal act for SMEs
Many SMEs start a new project by taking a term loan and for working capital, they count on the assurance of banker to sanction at later date which is suicidal if…
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Enduring distress is rewarding in the long run for SMEs
Many SMEs cave in before the pressure of financial distress. However remain focused on the business will help overcome the distress. I have two contrasting cases of SMEs who took…
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