Yangon · Thingangyun
Shwe Pan Grocery & Trading
Daw Hnin Pwint · DICA-SME-2019-44821 · KBZ Bank — SME Current A/C 012-445-9912
Total Revenue
48,750,000
4.88 Cr MMK · Last 6 months
Total Expense
31,220,000
3.12 Cr MMK · Operating + inventory
Net Cash Flow
17,530,000
1.75 Cr MMK · +36% vs prior half
Loan readiness
75/100
DTI gate still open · KBZ SME desk
Cash runway
KBZ current + Wave float vs daily opex
16days
8,400,000 MMK on hand · ~520,000 / day
Under 30 days — festival restock could pinch unless Aye Yar PO lands.
Payment rails
Where money actually moved
- KBZ Pay38%
- Wave Money22%
- Cash24%
- Bank transfer16%
Festival radar
Demand spikes the books can see coming
သီတင်းကျွတ် · Thadingyut
Retail lighting + gift surge
တန်ဆောင်တိုင် · Tazaungdaing
Wholesale PO spike
နှစ်ကုန် · Year-end urban
GrabMart / condo orders
Live desk alerts
What needs a human this week — not a dashboard wallpaper
Payroll hits KBZ in 4 days
Ks 1.86m — keep the current account above 2.2m so Wave top-ups don't bounce.
Loan score frozen at 75
Debt-to-income is the only open gate. Instalments need to stay under 35% of net inflow.
14-day voucher streak
Digital records already earn +25. Don't break the chain before the bank visit.
Monthly cash flow trend
Inflow vs outflow in million MMK — March to August 2026
Credit desk notes
What a KBZ officer will ask next
Cash generation is stable. Close debt-to-income and the score walks from 75 to 100 before you submit.
- Keep 6 months of OCR-backed receipts.
- Separate owner drawings from inventory purchases.
- Attach DICA on the one-page PDF pack.
Recent transactions
Latest ledger lines ready for the bank audit table
| ID | Date | Counterparty | Category | Channel | Amount (MMK) |
|---|---|---|---|---|---|
| TX-10482 | 2026-08-27 | City Mart Wholesale | Inventory | KBZ Pay | -2,450,000 |
| TX-10481 | 2026-08-26 | Walk-in retail (Thingangyun) | Sales | Cash | +1,180,000 |
| TX-10480 | 2026-08-25 | Yoma Fuel Station | Operations | MPU Card | -185,000 |
| TX-10479 | 2026-08-24 | Aye Yar Mini Mart chain PO | Wholesale | Bank transfer | +4,320,000 |
| TX-10478 | 2026-08-23 | MES Electricity bill | Utilities | Wave Money | -312,000 |
| TX-10477 | 2026-08-22 | Staff payroll — August | Payroll | KBZ Bank | -1,860,000 |
| TX-10476 | 2026-08-21 | GrabMart / online orders | Sales | Wave Money | +760,000 |