The #1 Reason MSMEs Fail (Hint: It’s not low sales, it’s poor cash flow)

The “Four Walls” of Business Finance

The Golden Rule: Separate Entities – Open a dedicated business bank account (even for a sole proprietor)

The “Shoebox Method” is failure. Move to the “Envelope System” (Digital or Physical)

Choosing your tool

The 5 Things You MUST Record for Every Transaction

The Income Statement (Profit & Loss) – Did you make or lose money last month?

The Balance Sheet (Simplified) – What you own vs. what you owe

The Cash Flow Statement – The King for MSMEs

The 90-Day Cash Flow Forecast (Simple version)

The #1 MSME killer: Late payments. How to fix it

Building a “Cash Buffer” – How to save 5% of every sale for emergencies

What to keep and for how long (by jurisdiction – general rule: 5-7 years)

The Receipt System – Digital is best

Three documents tax authorities want to see