Growth Sustainability Stress looks at whether a borrower can handle growth without creating financial pressure. Fast-growing MSMEs often need more stock, receivables, manpower, and credit before cash is collected from customers. If growth is not funded properly, the business may report higher sales but still face liquidity problems, delayed supplier payments, or repayment stress. For example, a manufacturer taking larger orders may require extra raw material and longer credit to buyers, which can stretch the cash cycle. This assessment matters because growth is positive only when margins, cash flows, and controls grow with it. The common mistake is to treat rising turnover as automatically good; the lender must check whether the growth is profitable, funded, and operationally manageable.