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Nirmal Raj

Marketing Specialist

Cheqly

Member since

23 Dec 2024

Location

San Francisco

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Nirmal's opinions

Days Cash on Hand: Everything You Need to Know

A small business credit survey in 2024 found that 51% of small firms have uneven cash flow, and 56% are not able to cover their operating expenses. Clearly, cash flow challenges exist at all stages of maturity. Larger firms making millions of dollars can face unforeseen circumstances that impact cash flow from time to time, such as market downturn...

12 September 2025

What Is Working Capital? Why Does It Matter for Business?

A business can have great products, strong sales, and even loyal customers, but without enough working capital, things can quickly stall. Better management of working capital can improve a company's overall financial well-being. It is important for a business owner to understand the concept of working capital, its importance, and the ways to incre...

27 June 2025 Business

9 Steps for Simplified Accounts Payable Reconciliation

How do you verify the accuracy of your company's hundreds of monthly payments? To guarantee a flawless match, you must conduct accounts payable reconciliation, which involves comparing your internal payment records with invoices, bank transactions, and vendor statements. The complex payment terms, multiple vendors, and tight deadlines that finance...

29 April 2025

How You Can Achieve Financial Freedom as a Small Business Owner

If you ask 10 business owners what business freedom means, they would give 10 different answers. Some are relieved by the assurance that they can pay their employees on time. For others, it's the assurance that comes with having enough money to invest in new goods or expand into other territories. Whatever your vision of financial independence for...

28 March 2025 Finance 2.0

5 Ways High-Growth Companies Can Use Venture Debt Financing

Getting the right funding at the right moment is crucial for fast-growing businesses looking to expand. A growing number of companies are seeing venture debt as a useful supplement to, or perhaps a replacement for, traditional venture capital. With venture financing, businesses have more leeway in how they spend their money, which means they may f...

20 January 2025

How to Prepare Financial Projections

You’re thinking about your company’s future. How much will sales grow next year? What will your revenue look like in five years? Or, if you’re just starting out, how long will it take for your business to turn a profit? Though the future is uncertain, you can make informed predictions about your company’s performance in the years ahead. These pro...

24 December 2024 /startups