Top 5 Working Capital Strategies for MSMEs in 2026

1. Invoice Factoring

Convert your receivables to cash without taking on debt. Platforms like FINOCRED make this accessible to businesses of all sizes.

2. Supply Chain Finance

Leverage your buyer's credit rating to get better financing terms through reverse factoring arrangements.

3. Digital Lending

Fintech platforms now offer quick working capital loans with minimal documentation using alternative data for credit assessment.

4. Government Schemes

Utilize schemes like CGTMSE, MUDRA, and Stand-Up India for collateral-free loans at subsidized rates.

5. Trade Credit Insurance

Protect your receivables and improve your creditworthiness with trade credit insurance, making it easier to get financing.