Most small business owners in Tier 2/3 cities don’t use any digital tools to manage their finances. They track income, expenses, and salaries using memory or notebooks, leading to confusion, overspending, and burnout.
“I don’t even know where my profits go — it just disappears.” — Ram, Local Café Owner
They face other challenges too:
Hiring more staff than needed, leading to high costs
No marketing or digital presence
Handling every task alone with no delegation
Pressure from bigger brands with better tools
But beneath all these lies a deeper root issue: poor financial awareness.