FlowOne, Office 207 & 208 (2nd Floor), Manjeera Trinity Corporate, JNTU-Hitech City Road, Kukatpally, Hyderabad (2026)

11/08/2026

Here’s an uncomfortable truth about most cash flow forecasts: by the time someone finishes building this month’s version, it’s already a little out of date.
Forecast accuracy is typically measured as: one minus the absolute difference between actual and forecast, divided by actual, times 100. Almost no company
hits the number exactly – and that’s fine. Most finance teams set a deliberate acceptable variance target, commonly around 5%, rather than expecting a
perfect hit.
The real problem isn’t the miss. It’s why forecasts drift more than they need to: most rely on historical patterns and periodic, manually-assembled inputs – AR,
AP, and bank data living in separate systems, pulled together whenever someone gets around to it. When a few large customers quietly extend their payment
terms, the forecast has no way of knowing until the gap shows up in actuals.
EY documents a real example of what fixing this looks like: one company connected operational stakeholders and process knowledge directly to its cash
forecast, and reduced its forecasting variance by USD 450-535 million. That’s one company’s real, documented result – not a claim every business would see
the same outcome.
The fix isn’t a better spreadsheet template. It’s continuous, multi-source input feeding the forecast as data changes, instead of a periodic manual roll-up built
from whatever was true last time someone updated it.
Does your team know your current forecast-to-actual variance right now, or only at month-end?
Book a demo: https://flowone.in/schedule-a-demo/ | Visit: www.flowone.in

10/08/2026

TReDS moved about Rs. 40,000 crore in FY22. This year, per Ministry of MSME data cited by Business Standard, it moved roughly Rs. 3.47 lakh crore – almost nine times as
much in four years.
The growth number is really the foundation of a bigger story. Insurance companies and government-notified credit guarantee funds can now bid as financiers on TReDS,
alongside banks and NBFCs. Financiers can now get credit guarantee cover for factoring exposures from government-backed trusts like CGTMSE. And under Union Budget
2026-27, TReDS receivables can now be securitised as asset-backed securities.
That’s my reading of what these facts add up to: a receivable stops being just a document waiting to be paid, and starts becoming a financial asset with multiple capital
sources, shared risk, and a path to being traded. That’s an editorial thesis based on verified facts, not an official government claim.
Two honest caveats. I haven’t independently confirmed the exact methodology behind the Rs. 3.47 lakh crore figure. And despite the growth, only about 0.2% of eligible MSMEs
by count currently use TReDS. The infrastructure is real progress. The reach still has a long way to go.
Book a demo: https://flowone.in/schedule-a-demo/ | Visit: www.flowone.in

07/08/2026

Here’s a quiet failure point in a lot of collections processes: someone has to actually remember to send the reminder.

Across seven independent AR-automation platforms and advisory guides, the documented practice is consistent – the first reminder should go out within a week before or at the due date, with a clear escalating sequence after that. But when this runs manually, the first real follow-up often waits until someone works through an aging report and notices an invoice is overdue – sometimes 30 days in, sometimes later.

That delay isn’t free. Research from NACM and Dun & Bradstreet on collection probability – global data – finds the odds of ever collecting an invoice fall to roughly 70% once it’s 90 days past due, and to around 50% by six months. A reminder sent late isn’t just a scheduling slip. It’s real ground lost.

This is exactly what flowOne’s Reminder automation handles – the message goes out on schedule, tied to the due date, without depending on someone remembering to check.

When does your first reminder actually go out?

Book a demo: https://flowone.in/schedule-a-demo/ | Visit: www.flowone.in

05/08/2026

Picture the desk where roughly one in five of your invoices actually ends up.

The 3-way match – comparing a purchase order, a goods receipt, and a vendor invoice before authorizing payment – sounds simple in theory. In practice,
according to Ardent Partners’ “AP Metrics That Matter” research, only 50% to 65% of invoices match cleanly on the first attempt.

The rest land on someone’s
desk as an exception: a quantity that doesn’t quite line up, a price variance, a goods receipt that never got logged.

The gap between organizations that handle this well and those that don’t is real. Best-in-class AP teams run a 9% exception rate. The average across all
organizations is 22% – about one in five invoices needing manual investigation before anyone can pay it.

That difference shows up in real cost and time. Manual invoice processing averages around $10.18 per invoice; best-in-class organizations bring that to $2.36,
a 77% reduction. Processing time: 10.9 days on average versus 3.1 days for best-in-class teams.

Here’s the reason this control exists in the first place, beyond speed: 38% of businesses surveyed by Ardent Partners reported experiencing business fraud in
the prior 12 months. The exceptions pile isn’t just an efficiency problem – it’s exactly where fraud and error hide until someone checks.
This is global benchmark data – no India-specific figures exist for this yet, and I want to be upfront about that.

Does your team actually know its first-pass match rate?

Book a demo: https://flowone.in/schedule-a-demo/ | Visit: www.flowone.in

04/08/2026

Here’s a number most companies could calculate in five minutes, and almost never do.
The Cash Conversion Cycle (CCC) measures how many days your cash is actually tied up before it comes back to you. The formula: CCC = DIO + DSO - DPO –
Days Inventory Outstanding, plus Days Sales Outstanding, minus Days Payable Outstanding. A simple illustrative example: a company holding inventory 45
days, collecting receivables in 50 days, and paying suppliers in 30 days has a CCC of 65 days.
Here’s why it rarely gets calculated properly. DSO usually sits with the AR team. DPO usually sits with AP. Inventory days usually sit with operations or a
warehouse team. Three departments, three spreadsheets, three separate owners – and the combined number that actually matters never gets put together in
one place.
That gap has real consequences. A company can report a perfectly respectable DSO in a board deck while its actual CCC is quietly deteriorating, because
inventory is building up or supplier terms have tightened, and nobody’s tracking the combined figure to catch it.
CCC genuinely varies even within a single industry. A study of Indian pharmaceutical companies found Lupin running a CCC of 73 days, Cadila at 87 days, and
Sun Pharma at 112 days – same industry, meaningfully different cash efficiency.
The fix isn’t complicated: track DIO, DSO, and DPO together as one combined number, watch the direction it’s moving, and treat a rising CCC as an early
warning, not a quarterly surprise.
Book a demo: https://flowone.in/schedule-a-demo/ | Visit: www.flowone.in

03/08/2026

Here’s something worth knowing if you’ve ever been asked for property papers to get a small business loan: for a meaningfully larger slice of MSME lending in
India, banks can no longer ask for that.
Under the Lending to MSME Sector (Amendment) Directions, 2026 – notified 9 February 2026, applicable to loans sanctioned or renewed from 1 April – banks
are mandated not to accept collateral for loans up to Rs. 20 lakh to Micro and Small Enterprises. That’s double the prior Rs. 10 lakh limit. Banks may extend
the same treatment up to Rs. 25 lakh at their own discretion, for businesses with a strong repayment track record.
The same benefit now covers PMEGP-financed units under KVIC. And a small, practical clarification: if a borrower chooses to voluntarily pledge gold or silver,
that’s not treated as a violation of the rule – this targets what a bank can mandate, not what a borrower can choose.
The bigger shift: credit appraisal is meant to center on business viability, projected income, and repayment capacity now – not whether the business owner
happens to own property.
If you’ve been putting off a working capital conversation because you assumed collateral was required, it might be worth revisiting.
Book a demo: https://flowone.in/schedule-a-demo/ | Visit: www.flowone.in

31/07/2026

Two invoices. Same sale. Very different outcomes.
The old way: a static document, generated manually, GST fields filled in by hand, emailed once and forgotten. If your business crosses Rs. 5 crore in turnover
– across all branches and GSTINs under one PAN – and that invoice doesn’t carry a valid IRN and QR code, it’s legally invalid. Your buyer can’t claim Input Tax
Credit on it. Nobody notices until a dispute or an audit surfaces it.
The intelligent way: generated automatically from a confirmed sales order, GST-compliant fields applied without manual entry, dispatched through whichever
channel your customer actually reads – email, WhatsApp, or a self-service portal – and tracked from send to confirmed delivery.
This is what flowOne’s invoicing capability is built to do. We’re not attaching a specific performance number to it today – what matters right now is the shift in
what the invoice actually is: not paperwork, the first real data point in your entire cash flow story.
Book a free 30-minute conversation: https://flowone.in/schedule-a-demo/

29/07/2026

Your ERP records transactions. It doesn't capture customer intent.

A payment promise.
An invoice dispute.
A request for a credit extension.

These aren't just conversations—they're critical business signals. Yet, they often remain buried in emails, chat threads, and call notes.

Modern finance teams need more than transaction data. They need Communication Intelligence to understand customer intent and act faster.

flowOne transforms customer conversations into structured, actionable workflows—helping teams make smarter credit decisions, accelerate collections, and improve cash flow.

Learn more: https://flowone.in/schedule-a-demo/

28/07/2026

CFO Tip Tuesday #4
The Future of Credit Decisions Starts with Better Intelligence

The way financial institutions evaluate credit is changing—and that shift carries an important lesson for every finance leader.

The Reserve Bank of India's Unified Lending Interface (ULI) is helping lenders access multiple verified data sources—such as GST records, credit bureau information, land records, and Account Aggregator data—through a standardized, consent-based infrastructure. By December 2025, the platform had expanded to 64 lenders and 136+ data services, reflecting a broader move toward connected credit intelligence.

But here's the more important question:

Has your organization's credit management evolved at the same pace?

Many businesses still rely on:

• Annual credit reviews

• Static financial statements

• Manual spreadsheets

• Periodic reassessments

The challenge is that customer risk doesn't change once a year.

It changes every day.

Payments arrive early—or late.

Disputes emerge.

Order volumes fluctuate.

Customer behaviour evolves.

Each interaction offers valuable insight into future credit exposure.

The strongest credit decisions aren't driven by more reports—they're driven by continuously understanding what's happening across the customer lifecycle.

That's the principle behind flowOne Credit Management.

Instead of depending primarily on periodic reviews, flowOne continuously evaluates customer credit using operational and transactional business signals, helping finance teams make better-informed credit decisions with greater confidence.

Because today's credit decisions should reflect today's customer reality—not last year's financial statements.

Question for today's discussion

How frequently does your organization reassess customer credit risk?

🔹 Continuously

🔹 Monthly

🔹 Quarterly

🔹 Annually

Sources: RBI Banking Trends & Progress Report, RBI Annual Report 2024–25, SIDBI, Medianama.

Book a Demo Now : http://flowone.in/schedule-a-demo

27/07/2026

Who can actually compete to finance your invoice on TReDS just changed – and a wider pool of bidders is generally good news for the seller.
Until RBI’s new Master Direction (Reserve Bank of India (Trade Receivables Discounting System) Directions, 2026, effective 23 June 2026), only banks and
NBFCs could bid to discount invoices on TReDS platforms. Now, insurance companies and government-notified credit guarantee funds can participate as
financiers too.
Separately, financiers can now obtain credit guarantee cover for their factoring exposures from government-backed guarantee fund trusts – reducing the risk
any single financier carries and, in principle, supporting more competitive bidding.
This sits alongside two other real changes from the same circular: the mandatory due diligence requirement for MSME sellers has been removed (a genuine
barrier to onboarding, and directly relevant to the ~0.2% MSME adoption figure we covered three weeks ago), and platform operators now need a minimum
net worth of Rs. 25 crore, with existing operators given until 31 March 2028 to comply.
This Master Direction is the regulatory instrument behind Union Budget 2026-27’s TReDS reform package – the same package that produced the mandatory
CPSE settlement rule from our earlier post.
If seller onboarding friction was the reason TReDS wasn’t worth it before, that reason may no longer hold.
Book a free 30-minute working capital conversation: flowone.in/schedule-a-demo

FlowOne

11/08/2026

10/08/2026

07/08/2026

05/08/2026

04/08/2026

03/08/2026

31/07/2026

29/07/2026

28/07/2026

27/07/2026

Address

Website

Alerts

Shortcuts

Share

Category