Many SMEs believe working capital limits are guaranteed.

It feels like a given, especially with the way government schemes are promoted.
But loan facilities are not a birth right. They are a reflection of discipline.

Banks look past the scheme and into the fine print: banking behaviour, GST consistency, utilisation patterns, and the promoter’s financial hygiene.
When these don’t align, loan facilities are reduced…or disappear altogether.

Working capital is not something you receive because you need it.
It is something you earn by showing the system that your business is eligible and can handle it responsibly.