Building wealth
Your business is your retirement plan. That's the problem.
It is the most common retirement plan among Indian business owners, and the least examined.
CREDOLIGN — Wealth & Protection 6 min
Insights
The thinking behind the advice
No listicles and no news commentary. Each of these is a question that comes up often enough that it was worth answering properly once.
Cash & working capital
Why profitable businesses run out of money, and what to do about it.
5 articlesCompliance & tax
GST, TDS and the filings that quietly accumulate cost when they slip.
3 articlesProtection & family
Cover, health and the questions most advisors do not ask.
3 articlesBuilding wealth
Retirement, succession, and the long arithmetic.
2 articles Start here
The three we send most often
Protection & family
How much cover does a business owner with a personal guarantee need?
The loan is in the company's name. The guarantee is in yours. Almost nobody sizes cover against the second.
CREDOLIGN — Wealth & Protection 6 min
Cash & working capital
What a Virtual CFO actually does that your CA does not
Most CAs are engaged to file returns and close accounts. That is necessary, backward-looking, and not the same job.
CREDOLIGN — Finance & Accounts 5 min
Everything else
Compliance & tax
Unreconciled income: cash planning for professional practices
Practices are usually run well and accounted for loosely. The result is a business whose real profitability its owner can only estimate.
CREDOLIGN — Finance & Accounts 5 min
Building wealth
Nomination is not a will — succession basics for Indian families
A nomination decides who receives. A will decides who owns. Families discover the difference at the worst possible time.
CREDOLIGN — Wealth & Protection 6 min
Protection & family
Term cover versus endowment: the maths, plainly
The argument against bundled products is not ideological. It is arithmetic, and it is worth seeing rather than being told.
CREDOLIGN — Wealth & Protection 6 min
Protection & family
Health cover for ageing parents: what the fine print hides
This is the decision most Indian families postpone, and postponing it is exactly what makes it expensive.
CREDOLIGN — Wealth & Protection 7 min
Cash & working capital
Marketplace settlements: why the payout never matches your books
A marketplace does not pay you what you sold. It pays you what is left, and the difference is where your margin went.
CREDOLIGN — Finance & Accounts 7 min
Compliance & tax
Export incentives Indian manufacturers routinely leave unclaimed
These are not obscure schemes. They are missed because they are filed by people who are already busy, against deadlines nobody owns.
CREDOLIGN — Finance & Accounts 6 min
Cash & working capital
Getting bank-ready: what lenders actually read in your MIS
Facilities are priced on how well the lender understands the business. Most SMEs pay a premium for being hard to read.
CREDOLIGN — Finance & Accounts 6 min
Compliance & tax
GST 2A vs 2B reconciliation: a practical monthly checklist
Input credit is not lost through fraud. It is lost through timing, and through discovering the problem after you have already paid the supplier.
CREDOLIGN — Finance & Accounts 6 min
Cash & working capital
The 13-month rolling cash forecast, and how to actually build one
Lenders ask for it. Most businesses do not have it. Building one takes a day and changes how every subsequent decision gets made.
CREDOLIGN — Finance & Accounts 7 min
Cash & working capital
Why revenue is up but cash feels tighter
The businesses that run into trouble are rarely the unprofitable ones. They are the ones growing faster than their working capital.
CREDOLIGN — Finance & Accounts 6 min
A question we have not answered here?
Ask it directly. If it comes up more than twice, it usually becomes one of these.
