guided sequence
“Loan EMIs take everything the business earns.”
EMIs are eating the business
Debt taken in optimism is repaid in stress. Restructure deliberately — duration, cost order, and expenses — before it decides for you.
0/4 steps done
- 1
framework worksheet
Borrowing readiness check
Get your three debt ratios honestly — know exactly how deep this goes.
Start this step → - 2
framework worksheet
90-day cash projection
See whether the next quarter clears the EMIs or needs intervention now.
Start this step → - 3
framework worksheet
Profit ratio snapshot
Check if thin margins, not the loan itself, are the real problem.
Start this step → - 4
calculator tool
Cash flow simulator
Model restructuring options — longer duration vs cost cuts — before choosing.
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