Quotes from The SME Magazine

There are financing options available to SMEs with short track records, little or no collaterals. Effective management of the working capital cycle is important.

"First, look within the business and understand your working capital patterns before borrowing from any financial institute. This involves timely procurement, collections and good inventory management. The business has to pro-actively manage its customers' payments, suppliers' credit terms, and work out various arrangements with them," says Jessie Koh, associate director of Stone Forest Corporate Advisory.

The article was published in The SME Magazine in the March/April 2010 issue, titled "No collateral? No Problem".