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Understanding the Relationship Between Working Capital and Business Growth
access_time 1790094600000 face CA N Raja
Understanding the Relationship Between Working Capital and Business Growth Vinu: Manu, a business may report growing sales and profits, yet still face a cash shortage. How does that happen? Manu: Because business growth normally requires additional working capital. When sales increase, the business ...
How Bankers Evaluate Large Capital Expenditure Proposals
access_time 1790008200000 face CA N Raja
How Bankers Evaluate Large Capital Expenditure Proposals Vinu: Manu, when a company plans a major expansion, how does a banker decide whether the proposed capital expenditure is worth financing? Manu: We don't start with the machinery or collateral. We first understand why the investment is required...
Common Mistakes Borrowers Make While Applying for Business Loans
access_time 1789921800000 face CA N Raja
Common Mistakes Borrowers Make While Applying for Business Loans Vinu: Manu, sometimes a business appears financially sound, yet its loan proposal gets delayed or declined. Why does that happen? Manu: Because having a good business alone isn't enough. The borrower must present the requirement clearl...
The Impact of Economic Cycles on Credit Quality and Lending Decisions
access_time 1789835400000 face CA N Raja
The Impact of Economic Cycles on Credit Quality and Lending Decisions Vinu: Manu, can the same borrower look safe in one year and risky in another even if the business itself has not changed much? Manu: Yes. Credit quality is influenced not only by the borrower but also by the economic environment. ...
Assessing Supplier Dependency Risk in Loan Proposals
access_time 1789745400000 face CA N Raja
Assessing Supplier Dependency Risk in Loan Proposals Vinu: Manu, a borrower we are assessing purchases nearly 70% of its raw materials from a single supplier. The business is profitable, but should this concentration concern us? Manu: Definitely. Heavy dependence on one supplier creates supplier dep...
