Deepak Poddar - MSME Finance Coach & Consultant

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I am a "freelance professional and not "free" lance professional😂

I said this to a client over a call yesterday....

He was expecting me to help his 6 months old company raise funds....

And didn't want to pay for the services...

Get collateral free loan up to 25 lakhs under PMEGP scheme....

Even MSME start-ups are eligible under this scheme

If you wish to know more about this scheme...

Just click the link below, fill up the form and I will deliver the latest circular of this scheme directly to your inbox....

Also don't forget to like the post..........
https://forms.gle/K7HQnQyeuhL5xfFaA

Delaying Supplier's payments is the smartest way to do business....

Its it really smart...........?

I asked this to one of the business owner yesterday when he said...

He is purposely delaying the suppliers payment by diverting the money collected from buyers after sales of goods..

And he thought that's the smartest way of doing business 😂

However, when I said that is not ethically right, he disagreed...

Then...?

I asked him if he starts paying suppliers upfront what will be the cash discount (CD) he could avail....

He said 3% to 5% on each purchases every month........

When I said he is loosing that cash discount which annually calculated comes to 36% to 60% which can add to profitability in business...........

Even if he takes loan for business than to the cash discount can knock off the cost of interest and still the profits will increase

He was shocked as he never thought of considering that...

How many of you are into business and you think delaying suppliers payments is smartest way to do business???????

More than 80% people don't know their net worth.......

Are you aware of it??

Most of the small businesses think that only profitability or turnover is enough to avail any loans...

But the fact is Net Worth is equally important too....

TNW X 4 times = Working Capital

That means either 4 times of tangible net worth or 20% of projected turnover (whichever is lower) is considered for working capital borrowing..

These 2 strategies could save you from being NPA and also bail you out post NPA....

Most of the have no idea about it...

1. Provisioning :

Either you are a or you have already started and you are looking forward to avail loans always try and avail 10% more than what is required as provisioning.

Because while you avail loans the cost of raw materials, plant & machinery or finished goods may hike.

Also you may have not considered the outflow of interest within the loan amount you have calculated.

2. The Fire Exit;

We all have a window, a ventilator or a fire exit in our residential or commercial structures,

But what about ...???

Yes in business, you can built a fire exit with a parallel company or firm with no common directors, partners or proprietor.

If your principal company goes NPA for whatever reason, this parallel company can borrow and bail you out.......

There are lots of other strategies by which MSME's can save themselves from slipping into NPA

Which I will try to share as much as I can….

Anyone else has anything in mind can also share to help the largest MSME community in India.......