If a cash-credit or working-capital facility is near expiry and renewal is still pending, the first task is not escalation—it is protecting payroll, tax, essential suppliers and operations while building a clean renewal file.
Build a 13-week cash forecast today
| Week | Opening cash | Customer receipts | Essential outflows | Debt/tax | Closing cash |
|---|---|---|---|---|---|
| 1–13 | Actual bank cash | Only dated, probability-weighted receipts | Payroll, critical suppliers, utilities | EMIs, GST/TDS and statutory dues | Show the minimum point |
Do not count a ₹20 lakh receivable due “soon” as cash unless you have a credible payment date. The forecast should tell you the exact week the business runs short and the minimum bridge amount required.
Ask the lender for a pending-item list
Request one written list of documents, covenants, inspections or clarifications still outstanding, with the responsible person and date submitted. Renewal delays often become endless because borrower and branch each believe the other side is waiting.
Separate structural working-capital weakness from a renewal-process delay
If receivable days have permanently increased or inventory is slow, renewing the same limit may only postpone the problem. Review customer concentration, ageing and gross margin. For eligible delayed MSME receivables, examine MSME Samadhaan and the TReDS platforms linked through the official Udyam portal.
Prioritise cash use explicitly
- Safety-critical and legally essential operations.
- Payroll and critical employees.
- Statutory obligations and debt commitments.
- Suppliers whose stoppage halts revenue.
- Discretionary expansion and owner withdrawals last.
Escalate with a business-continuity ask
Instead of “please renew urgently”, state the renewal reference, documents submitted, current expiry date, weekly cash impact and the specific interim arrangement or decision you need. If the issue is a documented service deficiency at a regulated lender and remains unresolved after formal grievance, check eligibility under the current RBI CMS. Do not use Ombudsman escalation to demand a credit sanction the lender has legitimately declined on underwriting grounds.
Decision rule: protect 13-week liquidity and remove every pending renewal item in parallel. A renewal decision should never be the only plan keeping the business alive next Friday.