From high borrowing costs and working capital gaps to expansion funding; the solution is not always another loan. Sometimes, it is a better financial structure.
Running a Business Is Your Priority. Who Looks After Its Financial Strategy?
Focus on Your Business. Let Us Help You Navigate Its Financial Requirements.
For most Micro, Small and Medium Enterprises (MSMEs), the business owner is also the de facto head of finance.
While managing sales, operations, employees, suppliers and customers, the owner must also take decisions on working capital, bank borrowings, repayment obligations, expansion funding and banking relationships.
Unlike large corporates, most MSMEs do not have a dedicated finance or treasury department to evaluate these requirements, negotiate banking arrangements or plan their financial strategy.
An accountant may take care of books and statutory compliance, but financial planning, credit assessment and funding strategy require a different set of skills.
As a result, many businesses approach banks only when funds are needed, often without examining whether their existing financial structure is appropriate or whether a better solution is available.
This is where THE FINANCIAL FIXERS can make a difference.
We work as an external financial consulting partner to MSMEs, bringing over 23 years of banking experience to the assessment and structuring of their financial requirements.
Our philosophy is straightforward: understand the business, assess its financial position and identify an appropriate funding strategy before approaching a financial institution.
What Financial Challenges Do Businesses Face?
As businesses grow, their financial requirements become more complex. Some of the common challenges include:
Borrowing Costs and Debt Management
- High interest rates and renewal charges.
- Multiple loans resulting in excessive EMI commitments.
- Short repayment tenures putting pressure on cash flows.
- Inefficient existing borrowing arrangements.
Working Capital Constraints
- Inadequate CC/OD limits.
- Delayed receivables and stuck debtors.
- Inventory and supplier-credit mismatches.
- Cash-flow shortages despite healthy business activity.
Credit and Banking Issues
- Low credit bureau scores.
- Financial ratios that do not support proposed borrowing.
- Loan rejections and inadequate collateral.
- Documentation and compliance gaps.
Expansion and Growth Funding
- Machinery and infrastructure requirements.
- CAPEX and OPEX funding.
- New projects and business expansion.
- Long-term funding requirements.
These challenges require more than identifying a lender. They require an understanding of the business, its financial position and the suitability of the proposed borrowing.
At THE FINANCIAL FIXERS, our role goes beyond identifying funding options. We focus on financial assessment, credit structuring and facilitating appropriate financial solutions.
Our areas of assistance include:
1. Working Capital Finance
2. Business and Term Loans
3. Loan Against Property (LAP)
4. Debt and EMI Restructuring
5. CGTMSE and Collateral-Light Funding
6. Financial Strategy and Credit Structuring
Why Work With THE FINANCIAL FIXERS?
- Financial Understanding: Assessing the business before recommending a funding approach.
- Appropriate Structuring: Aligning the facility with the actual requirement and repayment capacity.
- Lender Suitability: Exploring appropriate banking and NBFC options based on the proposal.
We do not believe every financial challenge requires another loan. Sometimes, reviewing existing facilities, improving cash-flow management or restructuring borrowings may be more appropriate.
