• Mr. Sagar Sunil Singh
• Dr. Jyoti Sah

SME logistics service providers form an essential aspect of the transport and logistics sector in India but are increasingly susceptible to financial reversals and business cycle fluctuations. Non-payment, lack of working capital, reliance on the credits from suppliers and inadequate financial planning arising thereout, render them susceptible to operations and survival. The pattern of fund flow in small logistics enterprises is studied in this article, the key factors that lead to credit cycle risk are filtered and some countermeasures are evaluated. He study uses a mixed-method research approach involving interviews with small logistics operators, secondary financial data review, and survey responses. Findings reveal that delayed payments from clients, fuel price volatility, inadequate financial discipline, and lack of technological integration contribute significantly to unstable cash flows. The paper concludes by suggesting modern risk mitigation strategies such as digital invoicing, credit scoring tools, fuel management systems, receivable insurance, and improved working capital planning.

Small logistics enterprises, credit cycle risk, financial flow, working capital management, delayed payments, cash flow instability, fuel price volatility, financial discipline, digital invoicing, credit scoring tools, receivable insurance, fuel management systems, risk mitigation strategies, SME logistics sector, technological integration.

"An Analytical Study on the Financial Flow and Credit Cycle Risk Mitigation in Small Logistics ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 12, page no.a432-a439, December-2025, Available :http://www.jetir.org/papers/JETIR2512061.pdf

"An Analytical Study on the Financial Flow and Credit Cycle Risk Mitigation in Small Logistics ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 12, page no. ppa432-a439, December-2025, Available at : http://www.jetir.org/papers/JETIR2512061.pdf