10 Monthly Financial Numbers a Small Business Must Track
The 10 monthly numbers a small business in India should track, from gross margin and cash runway to DSO, GST payable and DSCR, with a worked ₹ dashboard.
· 6 min read
Business & Freelance Finance
Cash flow, irregular income, working capital and keeping business and personal money apart.
All business & freelance articles
Break-Even Sales Calculation for Small Businesses in India
How to calculate break-even sales and units with contribution margin, a worked ₹ example, cash break-even, target profit and what a price cut really costs you.
· 6 min read
Buy vs Lease Business Equipment: A ₹20 Lakh Example
Should you buy or lease business equipment in India? Compare EMIs, lease rent, depreciation, GST credit and resale value on a ₹20 lakh machine.
· 6 min read
Cash Conversion Cycle: Formula, Example and How to Cut It
Cash conversion cycle for Indian MSMEs: DIO, DSO and DPO formulas, a worked ₹ example freeing ₹31 lakh, and how the MSME 45-day rule limits DPO.
· 7 min read
Cost of 30-Day Credit Terms: What Selling on Credit Costs
What 30-day credit terms really cost an Indian small business, the true annual rate of a 2/10 net 30 discount, and MSME 45-day payment rules as of October 2026.
· 6 min read
E-commerce Profit Calculation for Marketplace Sellers
Calculate real profit per order on Indian marketplaces: GST, commission, shipping, returns and ads, plus GST TCS and TDS rules as of October 2026.
· 6 min read
Funding Business Growth in India: Loan, Equity or Profits?
Ways to fund business growth in India compared: retained profits, bank loans, Mudra, CGTMSE, invoice finance and equity, with a ₹30 lakh worked example.
· 6 min read
How to Budget With Irregular Income: Freelancer Guide
How to budget with irregular income in India: set a baseline salary, build an income buffer, plan advance tax and save in good months. With a worked example.
· 6 min read
How to Separate Personal and Business Finances in India
How to separate personal and business finances: current account, owner's salary, cash rules, GST and presumptive tax for Indian small businesses.
· 6 min read
Invoice Discounting vs Factoring vs TReDS for MSMEs
Invoice discounting vs factoring for Indian MSMEs: recourse, cost, TReDS rules as of October 2026 and a ₹10 lakh invoice example comparing rates.
· 6 min read
Markup vs Profit Margin: Formula, Conversion and Pricing
Markup vs profit margin explained with formulas, a conversion table and a ₹ pricing example showing how mixing them up quietly cuts your profit.
· 5 min read
Profit vs Cash Flow: Why Profitable Firms Run Out of Cash
Profit vs cash flow explained for Indian small businesses: why a profitable firm can run short of cash, how working capital works, and how to fix the gap.
· 6 min read
Seasonal Business Inventory Planning: How Much to Stock
How much stock to buy for Diwali, wedding or winter season: a seasonal inventory planning method with a ₹ worked example, the critical ratio and a cash plan.
· 6 min read
Working Capital Loan vs Term Loan: Which to Choose?
Working capital loan vs term loan for Indian MSMEs: purpose, tenure, interest, drawing power, collateral rules and worked examples to pick the right one.
· 6 min read