Dos and Don'ts of Managing Working Capital Loan

Have a Clear Plan

Understand how you'll utilise the loan to enhance your business.


Spend Wisely

Stick to a budget that covers loan repayments while maintaining your cash flow.

Monitor Finances

Keep track of your money inflow and outflow to ensure timely payments.

Invest for Growth

Allocate the loan towards business improvements, like acquiring more inventory.


Avoid using the loan for personal expenses, reserve it solely for business purposes.

No Personal Expenditure

Take only the necessary amount to prevent excessive debts.

Borrow as Needed

Don't utilise the loan for long-term ventures, it's designed for immediate needs.

Short-Term Focus

Neglecting loan details such as interest rates and repayment timelines can lead to issues.

Understand Terms