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The credit committee is not reading your business plan. Here is what it is actually looking at, and why most SME applications are declined before a human sees them.
A well-run distribution business, a persuasive owner and a warning sign I chose to explain away. What a GH₵ 2 million loss taught me about my own bias.
Distributors, wholesalers, market queens, supermarkets and credit terms: the full route from factory to shelf, with the margins at each step.
