MSMEs & family businesses
Virtual CFO services for MSMEs and family-run businesses
Promoter-run manufacturing, trading, distribution and services businesses don't need more reports — they need cash released, lenders satisfied and margins defended. That is exactly what our outsourced CFO engagement is built to do.
Where we move the needle
Working capital that stops leaking
Cash conversion cycle, debtor ageing and inventory holding tracked every month — with a written plan to release blocked cash and reduce interest cost.
Bank and NBFC readiness
CMA data, stock and book-debt statements, drawing power calculations and covenant tracking prepared the way lenders expect, so limits get renewed without last-minute scrambles.
GST, TDS and MSME compliance
One statutory calendar covering GST returns, e-invoicing, TDS, the 43B(h) vendor payment rule, ROC and annual filings — each with a named owner and due date.
Costing and margin control
Product, plant and SKU level costing so pricing, job quoting and discount decisions rest on real contribution rather than gut feel.
Family-business governance
Clean separation of promoter and company money, approval limits, related-party documentation and audit-ready records.
Succession and scale readiness
Documented SOPs and MIS discipline so the next generation or a professional CEO can take charge without the numbers walking out of the door.
What lands on your desk each month
- Monthly MIS with P&L, balance sheet, cash flow and ratio pack
- Working capital dashboard: debtors, creditors, inventory, CCC
- Lender pack: CMA, stock statements, DP workings, covenant status
- Statutory calendar for GST, TDS, PF/ESI, ROC and income tax
- Costing and contribution analysis by product, plant or SKU
- Budget vs actual review with a partner every month
MSME questions we hear most
How is a Virtual CFO different from my accountant or auditor?
Your accountant records what happened and your auditor confirms it. A Virtual CFO uses those numbers to steer the business — working capital, pricing, lender relationships, cost control and planning — and owns the finance calendar end to end.
Is outsourced CFO support affordable for an MSME?
Engagements are fixed-fee and tiered (Basic, Standard, Premium), so you pay for the depth you need. It is a fraction of a full-time CFO package because the partner time is shared across a small set of clients.
Do you work with our existing Tally or ERP setup?
Yes. We work inside the accounting system you already use, tighten the chart of accounts and reconciliation discipline, and build reporting on top rather than forcing a migration.
Can you help us get or renew bank limits?
Yes. We prepare CMA data, projections, stock and book-debt statements and covenant workings, and we sit in on lender discussions alongside the promoter.