Maturity Profile Imbalance occurs when the timing of cash inflows and obligations does not match. In MSME finance, this may happen when short-term borrowings are used for long-term assets, receivables are collected slowly, or loan repayments are due before project cash flows begin. For example, a borrower may have a large payment due to the bank in three months while customer collections are expected after six months. This imbalance matters because liquidity stress often comes from timing gaps rather than total loss. The underwriter should review repayment schedule, working-capital cycle, receivable ageing, supplier terms, and asset life. The common caution is to structure loan tenor and repayment frequency according to actual cash-flow timing.