KSh 5M loan imeingia kwa bank. 💰

Founder anaona cash.

Bookkeeper anaona story imechange. 👀

Because that KSh 5M doesn't just increase cash.

It also increases what the business owes.

So bookkeeper anauliza:

1️⃣ Pesa ilienda wapi?

Stock?

Delivery vehicle?

Expansion?

Ama kufunika losses?

2️⃣ Biashara sasa inadaiwa how much?

Loan imechange debt, assets, equity na cash flow.

3️⃣ Tunaweza afford repayments?

Monthly repayment ni ngapi?

Interest je?

Na sales zikislow?

Major customer akichelewa kulipa?

4️⃣ Loan balance kwa books inaagree na lender statement?

Principal.

Interest.

Fees.

Outstanding balance.

5️⃣ Na future cash flow?

Before loan:

Cash → business expenses

After loan:

Cash → business expenses + loan repayment.

Hiyo repayment sasa ni part ya monthly commitments.

So when a loan enters your books...

Bookkeeper haoni tu extra cash.

Anaangalia:

Pesa imejenga nini?

Biashara sasa inadaiwa nini?

Na hiyo debt ita-affect cash flow aje?

Before useme, "Naweza pata loan?"

Uliza:

"What will this loan do to my financial position?" 📊