Latest Articles
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Structured Finance: When Plain Vanilla Debt Stops Working
Structured Finance: When Plain Vanilla Debt Stops Working A vanilla loan asks one question: can the borrower repay? Structured finance asks a sharper one: which specific cash flow, asset, or risk inside this business can we isolate and price on its own? What Structured Finance Actually Is Traditional debt prices your entire company. Structured finance…
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Working Capital Isn’t a Liquidity Problem. It’s a Structure Problem.
The Real Problem Isn’t Liquidity. It’s Architecture. In the same way, SIDBI pegs the MSME credit gap in India at roughly ₹30 lakh crore.Delays in payments continue to strain working capital across sectors.The default response remains the same: extend the CC limit with the primary bank.A CC limit is familiar. Moreover, it’s priced as if…
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RBI Raised the Collateral-Free Limit to ₹20 Lakh What Every MSME Owner Must Do in the Next 60 Days
India’s MSME credit landscape just shifted — quietly but consequentially. RBI’s revised priority-sector lending circular, issued in February 2026, lifts the collateral-free lending ceiling for MSME borrowers from ₹10 lakh to ₹20 lakh. For the 6.3 crore micro-enterprises that make up India’s MSME base, this is not a minor regulatory tweak. It is a structural…
