India Family Business Consulting

Succession Planning, Corporate Finance & Financial Literacy

Working Capital

May 25, 2026

The Funding Mismatch That Quietly Kills Good Businesses

Ramesh had built his manufacturing unit over 15 years.Solid orders. Loyal clients. A reputation that took a decade to earn. When a chance came to buy a new CNC machine for ₹50 lakhs, he didn’t hesitate. The numbers made sense. The capacity would double. The future looked clear.He paid from his working capital. Account drained.… Continue reading

Borrowing, Business Finance, Corporate Finance

entrepreneurship, Money Management, Working Capital
June 15, 2019

12 Important Reasons Your Business Loan Gets Rejected

I have seen the happiness on the faces of many entrepreneurs when I placed loan sanction letter in their hand. But loan rejection is not a happy state. Availing of loan is most business’s need for growth, especially for SMEs. There is a limit up to which promoters can invest own capital in the business.… Continue reading

Borrowing, business, Business Finance

Business Loan, Loan Application, Reasons loan application gets rejected, SME business Loan, SME Loan, Working Capital
June 6, 2019

The Impact of REPO Rate on Your Pocket and Business

REPO rate reduction of 0.25% is making the Indian investors excited. Investors believe this will trigger higher off-take of loans, higher economic activities. In reality, cheap money only can’t trigger more demand or higher capacity built up. There are several other factors. However, in this post, we will know about the RBI’s interest rate management.… Continue reading

Borrowing, business, Business Finance, Money & Economics

borrowing money, Economy, High Interest rate, Inflation, interest rate, Money Management, RBI Repo rate, REPO rate Impact, Working Capital
June 4, 2019

26 Sources of Capital – All You Need to Know

Once upon a time Capital used to be the scarcest available source of the business. Now the talent has taken over the top slot and capital has become abundant. But as it comes with multiple choices, which source and which type of capital is relevant for the business is another challenge. All forms of money are not equal.… Continue reading

Borrowing, business, Business Finance

borrow money, Borrowing Sources, Capital, Fundraising Options, Money, Source of Capital, Source of Equity Capital, Source of Loan, Working Capital
May 29, 2019

Not Knowing Financial Ratios Can be Fatal for Your Business

“The number one problem in today’s generation and the economy is the lack of financial literacy.” Alan Greenspan Alan Greenspan is not true for personal finance but he is also right for entrepreneurs. Entrepreneurs whose success is determined by financial performance many times do not understand the nitty-gritty of finance. According to a recent survey by the National Financial Educators Council Americans… Continue reading

Business Finance

Business Performance, Credit Rating, Financial Literacy, Financial Ratios, Working Capital
May 9, 2019

All Money Is Not Equal & Entrepreneurs Need to Know This

“We were not taught financial literacy in school. It takes a lot of work and time to change your thinking and to become financially literate.” Robert Kiyosaki M/S ABC Enterprise is facing a liquidity crisis. The bank has sanctioned them working capital loan. In an emergency, they used the borrowed money by way of working capital… Continue reading

Borrowing, business, Business Finance

Asset Liability Mismatch, borrow money, Term Loan, Working Capital
April 25, 2019

Dear Entrepreneurs, Cashflow Is Not Your Money

One of my known entrepreneurs used to enjoy a lavish lifestyle, bought a costly car, indulging in family foreign tours, and everything peripheral was also indicative of good business and profit. After one year, I came to know that he defaulted on bank loans. His account becomes NPA, and several private loans recovery issues cropped up. His… Continue reading

Business Finance

borrow money, Cash is king, Cashflow, entrepreneurship, Profit, SME entrepreneurs, Working Capital
April 20, 2019

CCC is the Ratio Every SME Needs to Focus On

Your heartbeat, blood pressure, cholesterol all levels you keep under check. Though competitive business atmosphere makes it difficult to keep all these health parameters under your control. One business ratio though can help you to keep your above health parameters in check. Most SME suffers from a cash flow crisis. This is their daily struggle.… Continue reading

Business Finance

Benefits of better CCC, Business beenfits of shorter cash conversion cycle, Cash Conversion Cycle, CCC, SME Finance, Working Capital

About Me

I am a Chartered Accountant, author, and advisor with 35+ years of experience in business finance, succession planning, and founder transition. I work with entrepreneurs and business families on growth, continuity, legacy, and navigating life beyond business.