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Episode 12 – Working Capital Secrets: How Banks Judge Your Day-to-Day Finance
Working capital is the heartbeat of every MSME business — and the biggest hidden factor in loan approvals. Many entrepreneurs don’t realize that even if EMIs are on time, a poorly managed working capital cycle can lead to reduced limits, stricter terms, and banker distrust.
In this episode of Smart Credit Bytes, I reveal:
- What working capital really means in day-to-day business operations- How bankers calculate Drawing Power (DP) using stock & receivables- Why stock statements and debtor lists are a banker’s microscope into your business- Common mistakes MSMEs make — inflated receivables, cheque returns, delayed statements- A borrower’s playbook to keep your limits strong and banker confident
Whether you’re an MSME owner or a credit officer, this episode will help you see working capital in a whole new light.
👉 Hit follow & subscribe to keep learning the insider secrets of MSME finance.
Keywords: working capital cycle, drawing power, stock statement, receivables, MSME finance, banker’s perspective, loan eligibility
29 episodes
