Deepak Poddar - MSME Finance Coach & Consultant

17/11/2025

My profile has recently been impersonated by scammers posing as a “stock market mentor.”
Please note that I do NOT provide any stock tips, investment advice, or paid mentorship.

If you come across any profile using my photos, name, or content to promote investments — it is 100% fake.

✔️ Please report the fake account immediately
✔️ Do NOT share personal or financial info
✔️ Do NOT click on unknown links or join any “investment groups” sent by that profile

Stay safe and vigilant.

03/12/2024

23/02/2023

3 financial ratios mandatory for any MSME Business Loans......

You do not need any financial expertise to calculate it...

Which are those...?

Debt Equity Ratio : DER
Quasi Debt Equity Ratio : QDER
Current Ratio : CR

Now you can calculate it on your own even if you are not having financial expertise............

How??

I have made a readymade calculator which will calculate your ratios and also conclude your eligibility....

What is the cost......?

It's absolutely freeeeee!

Just click the link below and fill up the form and I will deliver it to your inbox based on your constitution.........

https://forms.gle/wUE33zpWLLAFdq6cA

14/02/2023

I am a "freelance professional and not "free" lance professional😂

I said this to a client over a call yesterday....

He was expecting me to help his 6 months old company raise funds....

And didn't want to pay for the services...

06/02/2023

Get collateral free loan up to 25 lakhs under PMEGP scheme....

Even MSME start-ups are eligible under this scheme

If you wish to know more about this scheme...

Just click the link below, fill up the form and I will deliver the latest circular of this scheme directly to your inbox....

Also don't forget to like the post..........
https://forms.gle/K7HQnQyeuhL5xfFaA

02/02/2023

Delaying Supplier's payments is the smartest way to do business....

Its it really smart...........?

I asked this to one of the business owner yesterday when he said...

He is purposely delaying the suppliers payment by diverting the money collected from buyers after sales of goods..

And he thought that's the smartest way of doing business 😂

However, when I said that is not ethically right, he disagreed...

Then...?

I asked him if he starts paying suppliers upfront what will be the cash discount (CD) he could avail....

He said 3% to 5% on each purchases every month........

When I said he is loosing that cash discount which annually calculated comes to 36% to 60% which can add to profitability in business...........

Even if he takes loan for business than to the cash discount can knock off the cost of interest and still the profits will increase

He was shocked as he never thought of considering that...

How many of you are into business and you think delaying suppliers payments is smartest way to do business???????

31/01/2023

More than 80% people don't know their net worth.......

Are you aware of it??

Most of the small businesses think that only profitability or turnover is enough to avail any loans...

But the fact is Net Worth is equally important too....

TNW X 4 times = Working Capital

That means either 4 times of tangible net worth or 20% of projected turnover (whichever is lower) is considered for working capital borrowing..

09/01/2023

Big shout out to my newest top fans!

Udaay Dattatraya Bagade