Latest Articles
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Beyond the Single Lender: Building a Credit Stack That Scales With You
Beyond the Single Lender: Building a Credit Stack That Scales With You The CFO who realized her credit stack was an accident A few months ago, the CFO of a fast-scaling consumer business sat across from us and laid out her balance sheet. Six lenders. Eight facilities. Not one of them chosen on purpose. One…
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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…
