Virtual CFO
Structured finance leadership for MSMEs, startups and family-run businesses that need CFO-level discipline without a full-time CFO.
Who this service is for
Promoter-led manufacturing and trading businesses scaling past founder-managed finance; funded startups needing investor-grade reporting; and companies preparing for bank finance, credit-rating exercises or an eventual audit-readiness push.
Scope of work
- Monthly MIS — profitability by segment, working-capital cycle, receivables ageing and expense trends, delivered on a fixed date each month.
- Cash-flow management — rolling 13-week cash forecasts, payment prioritisation and bank-limit utilisation review.
- Budgeting & variance — annual operating budget with quarterly variance analysis and corrective actions.
- Compliance oversight — a single calendar across GST, TDS/TCS, income tax, PF/ESI and ROC, with status reporting to promoters.
- Bank finance support — CMA data, projections, stock statements and renewal documentation for working-capital facilities.
- Automation of the finance function — deployment of our in-house tools for bank-statement analysis, ledger reconciliation and report generation.
The monthly cadence
Close
Books closed and reconciled to a checklist by a fixed working day.
Report
MIS pack prepared: P&L, cash flow, ageing, compliance status.
Review
Scheduled call with promoters/management on findings and decisions.
Act
Agreed actions tracked to the next cycle; exceptions escalated early.
Frequently asked questions
What does a virtual CFO engagement include?
A defined monthly cycle — MIS, cash-flow and working-capital monitoring, budgeting and variance review, compliance oversight, and bank-finance support — scoped in writing at the start of the engagement.
How is this different from our accountant?
An accountant records transactions. A virtual CFO turns those records into a decision cadence: margins, cash cycles, covenant headroom and compliance status, presented on a fixed schedule.
Do you work with our existing software?
Yes — engagements commonly run on Tally Prime and similar systems, supplemented by our in-house automation tools for reconciliations and MIS preparation.
Finance function running you, instead of the other way around?
A scoped virtual CFO engagement puts reporting, cash and compliance on a fixed monthly rhythm.