Are you still relying on open market “udhaar” to run your business? Think again, as informal credit exposes MSMEs to hidden costs, unpredictable terms, supplier dependency, cash-flow instability and much more. This guide will help you understand in-detail the real risks of open market credit and explains why it limits growth, increases margins leakages, and hurts financial credibility. Learn the major risks and explore smarter, structured credit options that protect profitability, improve cash flow, and strengthen long-term business stability.