Business running at a loss or under bank pressure: what to do first
Act early, while you still have options.
Salaries, GST or EMIs are being paid later each month, or the bank has started asking questions. This is more common than most owners think, and the earlier you act, the more options you have. For a business in Bhubaneswar or anywhere in Odisha that is running at a loss, a turnaround starts with control of cash, then statutory dues, then a written plan your bank can read. Nishita Solutions helps owners take these steps in that order.
- Cash control first
- Statutory dues mapped
- A written revival plan
In short
What should you do when a business is running at a loss?
Control cash first, pay salaries and statutory dues on time, speak to the bank early and prepare a written plan the bank can read.
Nishita Solutions helps owners do this through its business turnaround programme: survive, stabilize, then grow.
- Cash under control, week by week
- Statutory dues kept up to date
- A written revival plan for the bank
A short self check
Warning signs a business is running at a loss
Read the lines below. Do two or more sound like your business?
- Salaries or statutory dues have been paid late in the last 3 months.
- The bank has asked for documents, a meeting or a plan.
- I am not sure how many months of cash we have left.
- Vendors keep calling for money, and our credit terms are quietly shrinking.
- We give discounts just to pull cash in faster.
- I spend all day on emergencies and have no time left to sell.
Why it usually happens
Why a healthy business starts running at a loss
Numbers that arrive late
Decisions run on memory, phone calls and WhatsApp, and losses stay hidden for months.
Loose cash control
Customer dues drift past 90 days, stock and idle assets lock up cash, and purchases happen without limits.
Statutory dues that pile up
GST, PF, ESI and TDS arrears build up quietly into interest, penalties and blocked credit.
Fixed costs that only rise
Payroll and overheads grow in good years and never come back down, while capacity sits unused.
Start this week
Business running at a loss? What to do first
Order matters. Spending on growth before cash is under control makes things worse. Start here, this week.
Know your cash, week by week
Write down the cash you have and every payment and receipt you expect over the next 13 weeks. Update it every Monday. It shows when the gap comes, while there is still time to act.
Stop the spending that can wait
Freeze purchases and capital spending that are not critical, and let one person approve every payment going out.
Chase the largest dues first
List the customers who owe you the most, and give each one an owner, a target date and a daily follow up.
Talk to your bank early
If the bank hears nothing, it assumes the worst. Brief your bank early, with honest numbers and a written plan. The bank decides what it can offer, but an early conversation keeps more options open.
How we help
A business turnaround: survive, stabilize, then grow.
Our turnaround work follows that order. First the cash: a weekly forecast, a spending freeze and a collections drive. Then the basics: statutory arrears mapped and planned, costs reset and numbers you can trust. Growth comes last, where demand is proven.
We prepare honest numbers and a written revival plan for your bank, together with your CA. We do not lend money or arrange loans, and nobody can promise what a bank will decide.
- A 13 week cash forecast, updated weekly
- Statutory arrears mapped, with a plan
- A written revival plan your bank can read
Services
Services for a business running at a loss
The work that fixes this problem, and what each part changes for you.
- Business turnaroundCash control, statutory dues, a cost reset and a plan for your bank, one phase at a time.
- Business Health CheckA consultant led review that finds what is broken and what to fix first.
- Project report and CMAProject reports and CMA data, with assumptions you can defend.
- MIS reports and dashboardsCash, dues and costs on one screen, so losses do not stay hidden.
- Project report for a bank loan: format and checklistGuide: what a bank looks for in a project report.
FAQ
Business running at a loss: questions owners ask
The bank has already written to us. Is it too late?
Not always, but options narrow every month. Speak to your bank early, and with a written plan. Start with a conversation this week.
If we prepare a revival plan, will the bank restructure our loan?
Not necessarily. The bank decides. We prepare honest numbers and a written revival plan, which is what a bank needs before it can consider restructuring.
Do you lend money or arrange funding?
No. We do not lend or broker loans. We prepare the numbers and documents your bank or lender asks for. The lender decides.
Can you help a business outside Bhubaneswar?
Yes. Our office is in Rasulgarh, Bhubaneswar, and we work with businesses in Cuttack, Puri and across Odisha. Weekly reviews can run on video calls, with site visits when someone needs to be on the ground.
What if the business cannot be saved?
Then we tell you plainly and early, with the numbers. Some situations need an insolvency professional or a lawyer, and we will say so rather than sell you a programme.
How does Nishita Solutions help a business running at a loss?
Nishita Solutions works through cash control, statutory dues and a written revival plan with the owner, and prepares the numbers and documents your bank asks for. The bank makes its own decision.
How do we know if the business is in trouble or just having a bad month?
One bad month happens. Repeated late salaries, GST or EMIs, a cash gap that grows each month or questions from the bank are signs of a deeper problem. Act on those early.
Start here
Trouble with cash or the bank? Talk to us in confidence.
Book a consultation, message us on WhatsApp, or call +91 91144 22055, Monday to Saturday, 10 am to 7 pm.