As credit conditions tighten and cost pressures remain elevated, Singapore’s SMEs are being tested on more than growth alone. Increasingly, survival is about judgment, discipline and knowing where to invest — and where not to.

The Breakfast Show invites Aditya Haripurkar, CEO of HitPay, to unpack how businesses are navigating this tougher environment, what responsible scaling really looks like today, and how SMEs should think about global expansion without overextending themselves.