Topic hub · Finance and growth
Business finance in Nepal: lending, cash, reporting and growth
Most growing businesses in Nepal are held back by finance before they are held back by sales: a loan file the bank will not accept, cash tied up in debtors, or numbers the owner cannot read in time. This hub gathers our guidance on lending, cash, reporting and getting ready for investors.
Borrowing from a bank
What a credit officer reads first, how projections and CMA data are tested, and why files are sent back.
Cash and control
Where cash goes between profit and the bank balance, and the monthly report that shows it early.
Growth, investors and listing
What makes a business investment-ready, how it is valued, and what a NEPSE listing asks of it.
Guides for business owners
Plain language: what it means, what to do and what to prepare.
- For business owners · 11 Nov 2026Management Consulting in Nepal: What It Covers, Industry by IndustryWhat a management consulting firm in Nepal actually does, how it differs from an audit or accounting firm, and what the work looks like in each of thirty sectors, from importers and hotels to hydropower, banks and IT exporters.
- For business owners · 6 Nov 2026Customs Post-Clearance Audit: Why One Sale Bill Could Not Prove UndervaluationThe Customs Department tried to collect extra duty and a penalty from an importer after clearance, based on one sale bill that showed a price far above the declared value. The Supreme Court upheld the Revenue Tribunal and dismissed the Department's petition. This article explains what a post-clearance audit may cover under the Customs Act, 2064, why the evidence failed, and how importers and customs teams should keep the paper that proves value.
- For business owners · 30 Oct 2026Getting Off the CIB Blacklist in Nepal: What Actually WorksBeing on the Credit Information Bureau blacklist locks a borrower and often the directors out of every bank. The routes off the list are narrow, and each depends on what you owe and who holds the collateral.
- For business owners · 27 Oct 2026What the Latest NRB Monetary Policy Means for Your Loan and Cash FlowNepal Rastra Bank left its policy rates unchanged for FY 2083/84 and set a private sector credit growth target of about 11 percent. Here is what a no-change monetary policy actually does to a Nepali business borrower, and the four things to review before your next renewal.
- For business owners · 26 Oct 2026Family Business Governance in Nepal: When Informal Trust Stops Being EnoughMost Nepali family companies are run on trust and conversation, which works until a bank, a second generation or a non-family manager arrives. This guide sets out what the Companies Act, 2063 already offers a private family company, where these businesses actually get hurt, and the documents to put in place first.
- For business owners · 17 Oct 2026Should You List on NEPSE? A Readiness Checklist for IPO CandidatesA step-by-step readiness guide for Nepali companies considering an IPO on the Nepal Stock Exchange, covering SEBON rules, financial criteria, governance requirements and the cost-benefit analysis.
- For business owners · 6 Oct 2026Bank Rejected Your Loan? The 5 Reasons and How to Fix EachA loan rejection is usually a readiness problem. Five causes account for most declines, and each has a specific fix you can make before you apply again.
- For business owners · 18 Sept 20268 Warning Signs of Weak Internal ControlsThe specific, observable signs that a growing business has outgrown its informal internal controls, why the owner's personal oversight stops being a sufficient control on its own past a certain scale, and what to put in place before a gap turns into a loss.
- For business owners · 14 Sept 2026When Should a Growing Business Hire a CFO?The specific complexity signals that mark the point a growing business needs a dedicated CFO function, the real choice between a full-time hire and a fractional engagement, and why waiting too long is a more common and more expensive mistake than hiring too early.
- For business owners · 11 Sept 2026What Should a Monthly Management Report Include?The specific sections a monthly management report needs to actually support decisions, why a set of financial statements alone does not qualify as one, and how to build a pack that a busy owner will actually read every month.
- For business owners · 9 Sept 2026What Makes a Business Investment-Ready?The specific financial, governance, contractual and team readiness gaps that slow down or kill a fundraising process, and how founders should prepare each one before the first investor conversation, not during it.
- For business owners · 6 Sept 2026Virtual CFO in Nepal: Who Actually Needs OneWhat a virtual CFO does month to month, the signals that show your business has outgrown an accountant, and how the engagement actually works in Nepal.
- For business owners · 3 Sept 2026How to Know Whether Your Business Is Ready to ScaleThe specific operational and financial signals that distinguish a business genuinely ready to scale from one that is simply growing, and why adding volume onto a founder-dependent, undocumented operation multiplies problems rather than profit.
- For business owners · 28 Aug 2026Before Taking a Bank Loan: 8 Things Management Should CalculateThe specific calculations a business should run before signing any loan agreement, so the facility actually matches the cash cycle and repayment capacity of the business rather than simply matching the amount and term the bank has offered.
- For business owners · 21 Aug 2026Costing Every Product Before You Raise: A Food Business Guide for NepalHow to build a cost per unit for cakes, bakery and food delivery businesses that holds up in front of an investor: allocation, wastage, delivery, contribution margin and the pricing floor for end-of-day stock.
- For business owners · 18 Aug 202610 Financial Numbers Every Business Owner Should KnowThe ten specific figures a business owner should be able to state without checking a report, why each one matters more than the headline revenue or profit number, and how to start tracking them if you cannot answer most of these today.
- For business owners · 12 Aug 2026Why Is My Business Profitable but Always Short of Cash?The five most common reasons a profitable company runs out of cash, how to diagnose which one applies to you, and how to read your own cash flow statement to find it.
- For business owners · 25 Jul 2026How Much Working Capital Does Your Business Actually Need?How to calculate your business's real working capital requirement from its own operating cycle, why growth increases it even without any change in margin, and the financing mistakes that cause avoidable cash crises.
- For business owners · 19 Jul 2026Your Sales Are Growing. So Why Is Cash Flow Getting Worse?The specific mechanics of why growth itself consumes cash faster than it produces it, how to quantify the effect on your own numbers, and how growing businesses should finance the gap without mistaking a structural feature of growth for a sign of trouble.
- For business owners · 11 Jul 2026CFO vs Accountant: What Is the Difference?A precise, practical breakdown of what an accountant is responsible for, what a CFO function adds on top of it, where the two roles overlap, and how to tell which one your business actually needs right now.
- For business owners · 10 Jul 2026Buying a Business in Nepal? Start With Financial Due DiligenceWhat financial due diligence actually examines beyond the headline financial statements, the specific red flags that most often surface in Nepalese private companies, and how a proper diligence process should be structured before money changes hands.
Technical analysis for professionals
Section-level analysis, procedures and edge cases.
- For professionals · 1 Nov 2026Loan Rescheduling and Restructuring in Nepal: What NRB Rules Let You Ask ForWhen a business cannot meet its instalments, rescheduling and restructuring can keep the loan performing. The rules set the conditions, the cost to the bank and what the borrower must show.
- For professionals · 16 Oct 2026Manufacturing in Nepal: Costing, Margin and Inventory ControlHow a Nepali manufacturing business should build a cost model that separates fixed and variable costs, price products to cover all costs plus margin, and manage inventory so working capital does not consume the profit.
- For professionals · 12 Oct 2026Import and Distribution in Nepal: Landed Cost, LC Margins and Working CapitalImporters and distributors in Nepal often misjudge margin because duty, VAT, clearing and LC finance costs are missed. How to build landed cost and plan working capital.
- For professionals · 6 Oct 2026Partner or Co-Founder Wants Out: Valuing Their ShareA partner's exit depends on three inputs: the shareholders agreement, a valuation on a defined date and standard, and the rights attached to the shares. Get these right and the buyout is fair and final.
- For professionals · 12 Sept 2026Nepal's Capital Market Strengthening and Revival Action Plan, 2083: What It Means in PracticeThe Ministry of Finance's 21-point plan pushes NEPSE beyond cash-and-delivery trading, toward margin, short selling, corporate bonds and PE/VC. What it means for retail investors and business owners, and the implementation gaps standing in the way.
How we can help
- Bank loan documentationProjections and files a bank accepts
- Virtual CFOMonthly reporting, cash and board support
- Business valuationFor investors, partners and lenders
Tools and references
- Cash flow calculatorWhere profit turns into cash
- EMI calculatorLoan instalments by rate and term
- Break-even calculatorSales needed to cover costs