by capital-guru | Dec 17, 2025 | Insights
Many SME owners run profitable operations but still struggle with cashflow, pricing, or growth decisions. The difference often comes down to understanding the right Business Formula behind revenue and profitability. These formulas turn financial statements into...
by capital-guru | Nov 28, 2025 | Insights
Singapore will implement another major CPF adjustment from 1 January 2026—a rise in the CPF Ordinary Wage (OW) income ceiling. This change follows a multi-year plan to strengthen workers’ retirement adequacy. While positive for employees, it will directly increase...
by capital-guru | Nov 20, 2025 | Insights
When business owners think of ways to improve cashflow, the first instinct is often to take a loan. While financing can be helpful, it shouldn’t be your only solution — especially if your business simply needs better cashflow discipline, not more debt. Here are...
by capital-guru | Nov 14, 2025 | Insights
For many SME owners, the thought of applying for a business loan can feel daunting — paperwork, financial statements, and back-and-forth with banks. As a result, some choose the path of least resistance: applying for a personal loan to fund their business cashflow. It...
by capital-guru | Nov 9, 2025 | Insights
As a business owner, you’ve probably heard the term “working capital loan” tossed around by bankers, lenders, or consultants. But what exactly does it mean — and how do you know if your company actually needs one? In this article, we’ll break down what a working...
by capital-guru | Oct 26, 2025 | Insights
In today’s hyper-connected world, capital isn’t just about dollars and cents. A growing number of business owners are realising that social currency — the trust, goodwill, and influence you hold in your network — can be just as powerful, if not more, than...
