Distinguish profit from cash
A business can show profit while having cash tied up in stock or customer invoices. Cash-flow decisions should be based on actual expected movements.
Meetesh Jugwant Consulting funding insight
Finding the Cash-Flow Gap Before Seeking Finance
Practical steps to help South African businesses prepare an informed funding discussion.
Map receipts and commitments
List confirmed and reasonably forecast receipts, payroll, supplier dates, taxes, repayments and unavoidable overheads.
Stress-test assumptions
Model a slow-paying customer, an order delay or a cost increase. Assess whether additional finance would still be serviceable.
Understand current obligations
Review overdrafts, loans, arrears, debtor ageing and concentrated customer exposure before proposing any new facility.
Choose a fitting discussion
Working-capital, invoice-related or other structures have different requirements. The business needs a realistic plan, not just a funding amount.
Meetesh Jugwant Consulting supports funding preparation and potential provider matching. It is not a lender, does not make credit decisions, and cannot guarantee funding. Provider terms and eligibility apply.
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