A client called last month, frustrated. She runs a small digital marketing agency, four people, decent client list. Her hourly rate was ₹3,500, which looked healthy on paper. But every month she was dipping into personal savings to cover payroll. The rate wasn’t the problem. She had no idea how many billable hours her team…
You started with a spreadsheet, a folder of email receipts, and a pretty good memory. You knew who owed you money. You knew which bills were coming up. For a while, that was enough. Then the business grew. More customers, more invoices, more suppliers, more expense categories, more people touching the money. And somewhere in…
Last quarter, an event agency I advise in Pune bought a ₹12,000/year inventory management plan. They needed to track 40 branded standees and a few hundred printed brochures across three client events. Within two weeks, the ops lead was drowning in warehouse location fields, reorder point alerts for items they’d never restock, and SKU configurations…
A ₹3.47 lakh crore invoice-discounting pipeline running through TReDS in 2025-26, up from ₹40,000 crore just three years earlier. That single data point, reported in the PIB factsheet on the MSME Development (Amendment) Bill, 2026, tells you something the headline doesn’t: the plumbing underneath India’s MSME ecosystem has been changing fast, and the law is…
9 platforms compared 5 capability areas scored 2026 updated for this year ✓Covers banking, treasury and cash yield, spend and accounts payable, scalability, and support. ✓Includes Rho, Arc, Meow, Ramp, Every, Bluevine, Relay, Novo, and Brex. ✓A side-by-side comparison table plus what each platform is best suited for. Mercury is a popular choice for startups…
⏱ In 30 Seconds Dead stock is inventory that hasn’t sold for an extended period and is unlikely to sell at its normal price. The biggest risk isn’t storage cost. It’s trapped working capital that can’t fund faster-moving opportunities. The primary causes are poor demand forecasting, supplier MOQ pressure, and infrequent inventory reviews. The best…
Most businesses don’t think about Purchase Order vs Invoice until an invoice arrives that doesn’t match what was agreed upon. A retailer ordered ₹4 lakh worth of inventory over WhatsApp. Thirty messages deep in a group chat, sandwiched between a supplier’s Diwali greeting and a blurry product photo. The supplier delivered everything. A month later,…
A wholesaler recently told me: “The system says we have 1,240 units in stock. The warehouse says we have 1,117. Which number should I trust?” The uncomfortable answer was: neither. Because when inventory reconciliation isn’t happening consistently, every report becomes questionable. And once business owners stop trusting their numbers, decision-making gets harder — purchasing, pricing,…
A business owner I worked with checked his bank balance every morning. Every single morning. Coffee in hand, phone open, refreshing the banking app like it was a cricket score. Sales were healthy. Invoices were going out on time. Customers seemed happy. But cash was always tight. When we finally sat down and pulled his…
A wholesaler in Pune was convinced someone was stealing from his warehouse. Margins had been shrinking for three quarters straight. The inventory report showed healthy stock levels. But every time he walked into the warehouse, things didn’t add up. Products he expected to see weren’t on the shelves. Items that should’ve been sold weeks ago…