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Vivek Joshi

Director & CEO @ Exc... • 21d

Funding Insight: Debt Done Right Many SME and project owners focus solely on the size of the loan. The truly powerful insight? Focus on the structure and source. * Structure: Is the repayment schedule aligned with your project's cash flow cycles, not just standard monthly terms? A flexible structure reduces early-stage pressure. * Source: Are you talking only to banks? Niche non-bank lenders and private debt funds often offer more customized, project-specific, and covenant-lite terms. Debt funding is a partnership, not just a transaction. Negotiate for terms that fuel growth, not just cover principal. Your Homework: Before your next meeting, sketch out your ideal repayment structure based on your revenue projections. #DebtFinancing #SME #ProjectFinance #SmallBusiness #Funding

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