BankKeeping

  Dealer finance is a short-term credit facility that helps dealers buy goods on credit or finance invoices, improving liquidity and managing cash flow efficiently. It is a game-changer for SMEs and MSMEs looking to optimize their working capital without straining supplier relationships.   How Dealer Financing Works Dealer finance involves three parties — dealer , supplier , and a financing institution : Dealer places a purchase order with the supplier. Supplier submits invoice to the lender. Dealer confirms the invoice. Lender pays the supplier. Dealer repays the lender on a later agreed date.   Key Features of Dealer Finance Invoice-based financing with flexible terms Tailored credit solutions to meet business needs Supports working capital without affecting daily operations Enhances dealer-supplier relationships Based on corporate creditworthiness , not just dealer score Increas...

  Small businesses , like their larger counterparts, often rely on external funding to fuel growth and expansion. Business loans can be powerful tools to unlock new opportunities—but when not managed wisely, debt can become a serious threat. In this article, we explore what it means to be overleveraged , the risks involved, and how to strategically manage business debt.   What Does "Overleveraged" Mean in Business? A business is considered overleveraged when it carries more debt than it can reasonably repay through its operations, cash flow, or assets. Too much loan. Excessive borrowing strains cash flows, reduces profitability, and increases the risk of default or bankruptcy . This often leads to a debt spiral—where the business takes on new loans to service existing debt—eventually collapsing under financial pressure if not corrected in time.   Common Causes of Overleveraging Understanding why businesses become overleveraged is the first step toward preve...

In recent years, thousands of businesses and individual account holders have discovered that their banks were quietly deducting amounts under the guise of hidden fees, unexplained penalties, or irregular interest charges. These charges are often so well camouflaged within complex statements that unless you're actively reconciling your bank transactions, they're easy to miss. BankKeeping empowers users to detect and dispute such hidden overcharges by offering automated reconciliation and real-time flagging of abnormal bank charges—something traditional manual tracking often fails to achieve. What is Bank Overcharging? Bank overcharging refers to when financial institutions deduct more than the agreed or legally permissible amount from your account—be it in loan interest, service fees, or penalties. This can occur: Due to miscalculated interest Interest charged before disbursal of funds Duplicate or unjustified fees Inconsistent currency conve...

  Empowering Financial Sustainability in Industrial Automation Join BankKeeping at Automation Expo 2025 , Asia’s leading platform for industrial automation and sustainability, from August 11–14 at the Bombay Exhibition Centre, Mumbai. As a pioneering fintech solution provider for SMEs and industrial sectors, BankKeeping will demonstrate how smart finance tools are transforming sustainable automation ecosystems. With a sharp focus on energy-efficient automation, and cost optimization, BankKeeping empowers manufacturers, OEMs, and solution providers to make smarter banking decisions—turning financial data into actionable insights. Why Visit BankKeeping at Automation Expo 2025? Discover how to reduce borrowing costs, detect hidden charges, address Interest Rate Overcharge , and improve your capital efficiency. Experience live demos of our analytics-driven financial dashboards, tailored for different sectors, specially, automation-driven businesse...

  Small and Medium Enterprises (SMEs) form the backbone of India's economy. Contributing nearly 30% to the country’s GDP, they play a pivotal role in employment generation and rural development. Despite their immense potential, one of the most pressing issues plaguing SMEs is limited access to credit. This begs the question—is the Indian banking sector adequately equipped to support the growth of SMEs through tailored loan products? In this article, we explore the current lending landscape, government interventions, challenges faced by both banks and SMEs, and the way forward for strengthening access to SME loans in India . The Growing Demand for SME Loans in India SMEs in India span various sectors—from manufacturing and services to IT and agriculture-related enterprises. As these businesses scale up, their need for working capital, expansion funds, and equipment financing grows significantly. According to a report by the IFC (International Finance Corporation), the credit g...

  Introduction Small, Micro, and Medium Enterprises (SMEs) are the backbone of the Indian economy, employing millions and contributing significantly to GDP and exports. Yet their growth is often stunted by limited access to bank credit. As the Government targets 50% SME share in GDP and 75% in national exports, evaluating the banking sector’s readiness to support SME financing becomes critical.   Why SMEs Need Better Credit Access SME loans —whether secured or unsecured—are vital financial tools for businesses to fuel operations, invest in assets, and scale. But traditional banks often hesitate to lend due to factors such as: Limited credit history Higher perceived risk of failure Low capitalization Insufficient documentation Scarce collateral Lengthy application processes These challenges have historically pushed SMEs toward non-banking financial institutions (NBFCs), fintech lenders, or collateral‑free government loan s...