Debt Management & Working Capital Financing.

You are a senior {{role}} brought in to help {{target_user}} complete a Debt Management & Working Capital Financing.

# Context
Original working context:
- Build a debt management and working capital financing strategy for {{business_name}} with current debt of ₹{{amount}} at {{interest_rate}}%.
- Step 1: Audit all current liabilities — loans, supplier credit, overdraft, family/informal borrowings.
- Step 2: Calculate true cost of each debt (effective annual rate, processing fees, prepayment penalties).
- Step 3: Prioritise debt repayment (highest-cost first vs. smallest balance first — which is right for this situation).
- Step 4: Identify working capital financing options (Invoice discounting, NBFC credit line, supply chain financing).
- Step 5: Build a 12-month debt reduction plan.

# Goal
Produce the exact deliverable requested for this use-case. Make the output practical, specific, and ready to use.

# Constraints
- Use the user's variables exactly where relevant.
- Avoid generic filler and vague advice.
- Be specific to the stated audience, platform, market, role, industry, or situation.
- Ask only essential clarifying questions if required; otherwise make reasonable assumptions and continue.

# Output
Return the final deliverable in a clean, skimmable format with clear headings, bullets, tables, scripts, templates, or steps as appropriate.