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working capital articles

8 articles

Saurav Agarwal
Finance & Money

Bank Guarantee Invocation: What Happens When the Buyer Calls It In

The buyer writes to your bank, not to you. By the time you hear about it the money…

Saurav Agarwal
Business & Growth

Security Deposit in a Tender: How Much Is Held, and When You Get It Back

The post-award money a client holds against your performance — how it is built from a lump sum…

Contractor calculating working capital requirements at a construction site office
Saurav Agarwal
Finance & Money

Working Capital Loan for Contractors: How Banks Size It

Your machine is paid for and the work is coming, but wages and diesel go out months before…

EMD refund process for construction tenders showing bid money being returned
Saurav Agarwal
Compliance & Regulation

EMD Refund Process: Getting Your Bid Money Back

Earnest money sits with the department long after the tender is decided, and most owners never chase it.…

Retention money held in a construction contract and steps for contractors to recover it after completing work
Saurav Agarwal
Finance & Money

Retention Money in Construction Contracts: Getting It Back

A slice of every bill you raise is held back and released long after the work is done.…

Bill discounting for contractors to receive cash before customer payment is received
Saurav Agarwal
Finance & Money

Bill Discounting for Contractors: Cash Before They Pay

Your machine bill is accepted and sitting for ninety days. Bill discounting on a TReDS platform turns that…

Construction equipment being mobilised to a project site using a heavy-duty trailer
Saurav Agarwal
Business & Growth

Mobilisation Advance: What It Really Costs to Take One

A mobilisation advance is not free money. It is a secured loan from your client, recovered from bills…

Backhoe loader representing a loan against machinery with cash, loan documents and financing information.
Saurav Agarwal
Finance & Money

Loan Against Machinery: Raising Money on a Machine You Already Own

A loan against machinery turns an owned, unencumbered machine into working capital. What lenders look at, what it…

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