We noticed something interesting while working with manufacturers last quarter. Their payment cycles shift dramatically around festival seasons, and most weren't prepared for it.
Read analysisBalance sheets show where you stand today. But actual business health? That's about movement. We've seen profitable companies struggle because nobody tracked their working capital velocity. The numbers looked fine until suddenly they weren't.
Continue readingPayment terms are stretching across manufacturing sectors. What used to be 30-day cycles now average 47 days. Companies need buffer strategies that account for this reality rather than fighting it.
Three major banks adjusted their lending criteria for businesses under 50 million baht revenue. The changes are subtle but meaningful for anyone seeking working capital facilities this year.
Southern region businesses are adapting faster to digital payment reconciliation. We're seeing 23% reduction in payment processing delays compared to traditional methods. Not revolutionary, just steady improvement.
More suppliers offering early payment discounts as alternative to traditional credit terms. The math works when you run the numbers properly—sometimes better than bank facilities for short-term needs.
Senior Financial Analyst
"Most businesses don't have a cash problem—they have a timing problem. Understanding the difference changes everything about how you plan."
Business Strategy Consultant
"I've watched companies make the same forecasting mistakes for years. The tools exist to avoid this—people just need someone to show them which numbers actually matter."
Manufacturing payment cycles, retail seasonal adjustments, and service sector trends analyzed across 340 businesses in our network.
Updated benchmarks for various business sizes and sectors. Real data from operating companies, not theoretical models.
What banks actually look for in 2025, how to prepare documentation, and which facilities make sense for different situations.