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Shivam Bansal

. • 21d

Most startups don’t fail because the idea is weak—they fail because cash stops moving. The Baniya mental model doesn’t obsess over valuation or narratives; it obsesses over daily cash inflow vs outflow. Operations are designed to protect liquidity: buy only against visible demand, rotate inventory fast, shorten receivables, stretch payables, and never lock cash without predictable returns. Credit is used to accelerate rotation, not to subsidize losses, and margins are defended early because unclear margins make scale lethal. For a Baniya, survival is the real moat—if the business can stay alive long enough, it eventually wins. Founder takeaway: track cash weekly, not quarterly; build operations for the worst case, not the pitch deck; treat cash like oxygen, not fuel—because growth is optional, but survival is not.

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