Blog

Notes from practice.

Long-form thinking on bank finance, MSME schemes and capital markets, written for promoters and operators, not search engines.

Featured · Capex

Term Loans for Machinery & Infrastructure: What Banks Actually Look For

Capacity expansion is a sign of confidence, but a term loan file passes credit committee only when projected cash flows can service the EMI under stress.

Feb 3, 20266 min read

Read note

Working Capital

Feb 3, 20268 min read

Working Capital Limits Explained: A Practical Guide for MSMEs

Working capital is the lifeline of any business. Delays in receivables, rising input costs and seasonal swings are all manageable, provided the limit is sized right.

How MSMEs Can Prepare a Bank-Ready Loan Proposal

Documentation

Feb 3, 20267 min read

How MSMEs Can Prepare a Bank-Ready Loan Proposal

Securing a bank loan is a major step for any MSME. The proposal is the document that tells your story in the credit committee's language.