Practical steps we see working for traders, manufacturers and service businesses — from getting paid faster to becoming loan-ready. Start with the free health score.
Answer 10 yes/no questions. Every “No” shows the fix.
1. Do you keep a separate bank account only for the business?
Mixing money hides profit and weakens loan applications. See play 01.
2. Do you know last month’s profit and cash position?
Without monthly numbers, problems show up a year late. See play 02.
3. Do customers usually pay within 45 days?
Slow collections lock up your cash. See play 03.
4. Is your business registered on Udyam (MSME)?
Udyam is free and unlocks the 45-day payment rule and MSME loans. See plays 03 and 06.
5. Have you reviewed your prices in the last 12 months?
Costs rise every year; unchanged prices mean shrinking margins. See play 04.
6. Are all GST returns filed on time with ITC matched to GSTR-2B?
Late or mismatched returns cost interest, lost credit and customers. See play 05.
7. Have you filed ITR for each of the last three years?
Lenders ask for 2–3 years of ITR. See play 06.
8. Do you have a Google Business Profile with reviews?
Most customers search before they buy. See play 08.
9. Do you have cash for three months of fixed expenses?
A reserve protects you from one bad month. See play 09.
10. Is a professional handling your tax and GST compliance?
Your time is better spent on customers. See play 10.
Mixed accounts hide your real profit, weaken your ITR and make banks hesitate. Clean separation is the base of every other step.
Most small businesses learn their profit once a year, at ITR time — too late to fix anything. Owners who review numbers monthly make faster, better decisions.
Profit on paper is useless if cash is stuck with customers. Faster collection is free working capital.
A small price increase usually adds more profit than a big jump in sales. Many owners underprice because they do not know their full cost.
Registered businesses and companies prefer suppliers who give them input tax credit. GST compliance can open doors to bigger buyers and online marketplaces.
Banks lend against documents. A clean, consistent record gets faster approval and lower rates — often without collateral.
The right structure saves tax, protects family assets and makes raising money easier. The wrong one costs you every year.
Customers search before they buy. A strong local presence brings enquiries at almost no cost.
One notice, penalty or bad month can wipe out a year’s profit. Protection is cheaper than repair.
Every hour the owner spends on returns and portals is an hour not spent on customers. Compliance is a system — give it to a team.
Twelve steps, in order. Tick them off as you go — your progress is saved on this device.
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