"Oh, tired of routine work, want to quit the job and run my own business-like others” A small business owner, a conversation partner, responds with a tiring tone that “Are you sure about this, huh. It's not as easy as you think. There are a lot of problems.” Many small business owners must fall into air pocket regularly. They are smiling, being happy for a few days then be stressed because of cash flow problems, good sales, but no cash. This is a heartache problem of a business owner.

There are now only suppliers calling to collect money. We can sell well, but not enough to pay. Now we are afraid to answer the phone and don’t have money to pay the home loan for three months. This is very discouraging. One of the built-in furniture business owners complained. This situation is a problem that many small business people face. It is said that for small business owners’ profit - loss is secondary matter, more important thing is having enough cash in hand. Many businesses must pay for raw materials with cash. The more customers, the more they need to invest. Collecting customers money can be cash or credit but the investment requires cash mostly. But many businesses receive income in the form of credit two months or three months term to receive money. Then the end of the month, there is no money to pay for employees, for the rent or the payment of the car. Then the problem became bigger, so some people had to be exhausted. The word "liquidity" became a hallucination that shook off business people.

Many gurus might say that why not follow the formula “Buy with credit and sell by cash” then they will not have any way problem. But the reality that small businesses must face is the bargaining power is not that much. Whether negotiating with suppliers to get the cheapest cost or negotiate with customers to pay sooner. "For small problems like us, it is hard to compete with the big companies. We can't negotiate anything. From where it should be buying with credit and sell by cash, but it turns to be bought with cash and sell by credit. That way they end up with not enough cash flow. The owner of the computer repair company said, “It is the headache that how we manage the cash flow? Because when we buy products with suppliers we have to pay by cash to get the price that we can take to make a profit. But big companies who is our customer, he asks for credit at 90 days, then three months later that we will get money "


The way to survive is to find a loan source. But asking for revolving loans for business purposes, also facing many problems. Such as no systematic accounting, no collateral, no ability to write a proper business plan, therefore, they cannot get a loan.

But wait Today, business owners have better options to solve liquidity problems. SCB Speedy Loan, cash loan that gives you easier recovery, no need securities or personal guarantees and provides a loan of up to 2 million baht and installments for a maximum of 72 months or a light installment of only 2,900 baht per month. To help you with less burden and have more money to circulate more in your business. Apply easily on SCB EASY App or at the Siam Commercial Bank website. Your business can't wait! Apply now and let SCB Speedy fill up the cash to your business.

But wait Today, business owners have better options to solve liquidity problems
SCB cash loan that gives you easier recovery, no need securities or personal guarantees. To help you with less burden and have more money to circulate more in your business. Apply easily on SCB EASY App or at the Siam Commercial Bank website. Your business can't wait! Apply now.