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working capital articles

8 articles

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

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

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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…

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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.…

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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.…

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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…

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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…

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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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Piling rig working on a construction site for calculating piling rates per meter in India

Piling Rate Per Meter in India: How the Number Is Built

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Heavy Equipment Operator Salary in India: What Machines Pay (2026)

Heavy Equipment Operator Salary in India: What Machines Pay (2026)

Self-loading concrete mixer doing on-site volumetric batching at an Indian construction site

Batching Plant Operator Salary in India: What the Law Sets and What Raises It

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