Resources
Practical guides to run your business
Business plans, working capital, margins, profitability, bank financing: clear explanations and worked examples for small and medium business owners.
Business plan
Business plan in Morocco: what should a financial study include?
Assumptions, forecasts, financing plan, cash flow: what a bank or investor expects to find in your financial study.
Read the guide
Cash flow
How to calculate your working capital requirement
Why a profitable business can run short of cash: the working capital formula, a worked example and the levers to reduce it.
Profitability
How to analyse the profitability of an SME
Growing revenue does not guarantee growing profit. The method to measure your company's real profitability.
Profitability
Gross margin: how to calculate it
Markup, margin rate, multiplier: three often-confused notions that directly affect your prices and your profit.
Financing
How to prepare a bank loan application
What your banker really looks at, the documents to gather and how to present your request to maximise your chances.
Management
The key financial indicators for an SME
The 10 indicators that are enough to run an SME day to day — and how to track them without spending your days on it.
Coming soon
Guides, checklists and Excel templates
Ready-to-use tools to structure, fund and manage your business. Sign up to be notified when they are released.
- PDFGuide: a successful business plan in MoroccoThe complete method, from idea to bank file.
- EXCEL12-month cash-flow plan templateReady to fill in, with automatic alerts.
- CHECKLISTBank loan application checklistEvery document to gather before your meeting.
- EXCELSmall business dashboard: 10 key indicatorsYour monthly management on one page.
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Our guides explain the method. Growcap applies it to your figures.