For a small business, that waiting period can span more than two monthly payroll dates. The owner may need to borrow, use personal savings or postpone purchases to keep operations running, says Souradeep Ganguly.
Souradeep Ganguly
About The Author
Souradeep Ganguly is the founder of Sapphiro, a fintech platform focused on B2B payments and working capital solutions, including Invorush, which serves the MSME segment. He brings over a decade of experience in banking, having worked across trading, institutional and SME lending, and trade finance and forex training at ICICI Bank, Axis Bank, and IDFC FIRST Bank. He holds an MBA in Banking and Finance from TAPMI and an MBA in Finance and Strategy from IIM Kozhikode. His work focuses on addressing inefficiencies in working capital access and improving how businesses access and manage finance.
About The Author
Souradeep Ganguly is the founder of Sapphiro, a fintech platform focused on B2B payments and working capital solutions, including Invorush, which serves the MSME segment. He brings over a decade of experience in banking, having worked across trading, institutional and SME lending, and trade finance and forex training at ICICI Bank, Axis Bank, and IDFC FIRST Bank. He holds an MBA in Banking and Finance from TAPMI and an MBA in Finance and Strategy from IIM Kozhikode. His work focuses on addressing inefficiencies in working capital access and improving how businesses access and manage finance.
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