Bank imekureject?

Maybe shida si biashara yako. 

Before uende bank kuomba loan, check hizi 3:

1️⃣ Can the business pay its obligations?

Cash iko how much?

Customers wanakudai how much?

Suppliers unawadai how much?

Usidanganywe na bank balance kubwa leo.

Some of that cash already iko committed.

2️⃣ Is the business actually profitable?

Sales pekee haitoshi.

Angalia:

Gross profit → Expenses → Net profit.

Na uliza:

Margins zinakua?

Expenses zinakua faster than sales?

Stock inamove?

Customers wanalipa on time?

3️⃣ How much debt can the business carry?

Debt iko how much compared na what the owners have invested?

Then jiulize:

"If sales dropped for 3 months, tungeweza bado kulipa loan?" 👀

Hizi ndio questions your books should answer:

Where is the cash?

Where is the profit?

Nani anatukalia pesa?

Tunadaiwa nani?

How much debt can we handle?

Before useme:

"I need a loan."

Know your numbers first.

Sometimes being financially ready matters just as much as finding the lender. 📊