Business preparation
Know your cash flow. Plan your next step.
For a shop, skilled trade or service in Kicukiro, a simple regular record helps you understand how your business is doing.
Keep a daily record
Record sales, cash received, spending and customer credit. A sale on credit does not mean the cash is already available.
Separate household and business money
Record money taken from the business for home use. Allow for stock, rent, transport and other expenses before treating the remainder as profit.
Plan when cash will be needed
Compare supplier payment dates with expected customer receipts. If there is a gap, consider reducing costs or adjusting the timing before seeking a loan.
Prepare for the branch conversation
Explain the purpose of the money and how repayment would be funded. Organise sales and income records, then ask the branch for its exact requirements. A website estimate is not a loan decision.
This is a preparation guide. Confirm actual requirements and charges with ISONGA SACCO KICUKIRO.