Your monthly finance review
One hour a month, fixed agenda. We come prepared, walk you through what changed, and leave you with the two or three things worth acting on.
Virtual CFO service
A senior finance mind in your business, without the full-time salary
You have outgrown a bookkeeper. You cannot yet justify paying a Chief Financial Officer. A Virtual CFO fills that gap — the same senior thinking, a few days a month.
We sit with you every month, look forward instead of backward, and give you straight answers on the decisions that actually move money.
Led by CA Sajal Goyal, who has worked with 500+ Indian businesses across manufacturing, retail, D2C, services and technology.
500+
Businesses guided
20+
Years in finance
1 hour
Of your time a month
The gap most owners sit in
Your accountant looks backward. You need someone looking forward.
Both jobs matter. The problem is that most growing businesses only pay for the first one, and then wonder why nobody can answer their real questions.
Option one
An accountant or bookkeeper
- What they do
- Record what already happened. Keep your filings correct and on time.
- Direction
- Backward. Reports on the month that has finished.
- The limit
- Cannot tell you whether you can afford to hire, or what to price at.
Option two
A full-time CFO
- What they do
- Everything forward-looking. Planning, funding, profitability, controls.
- Direction
- Forward. Exactly what you need.
- The limit
- A senior full-time salary, which most growing businesses cannot justify yet.
Option three
A Virtual CFO
- What they do
- The same forward-looking work, for a few days of senior attention each month.
- Direction
- Forward, and alongside your existing accountant.
- The cost
- A fraction of a full-time CFO, because you pay for the thinking, not the chair.
What we actually do
Seven things we take off your plate
This is the real work, not a list of buzzwords. Each one ends in a decision you can act on.
Cash flow planning
We map what is coming in and going out over the next few months, so a tight week stops being a surprise and starts being something you planned for.
Budgets and forecasts
A simple plan for the year that you can actually compare against, month by month, instead of finding out in March how the year really went.
Product and pricing profitability
Which products or services actually make you money, in rupees, not percentages. Many owners discover they have been pushing the wrong one.
Big spending decisions
New machine, new branch, new hire, or a loan. We work the numbers with you before you commit, not after.
Controls and an accounts health check
We look for the gaps that let money leak or mistakes slip through, and put simple checks in place so it stops happening.
Reports for banks and investors
When a bank, an investor or a buyer asks for numbers, you send something clean and credible the same week, not after a month of scrambling.
Someone to call in between
Decisions do not wait for month-end. When one lands on your desk, you have a senior finance person on the phone the same day.
Side by side
A full-time CFO, or a Virtual CFO?
An honest comparison. If you genuinely need someone full-time, we will say so.
| The question | A full-time CFO | A Virtual CFO with us |
|---|---|---|
| What does it cost? | A senior salary every month, plus benefits, whether or not the month was busy. | A fraction of that. You pay for a few days of senior attention, not a full-time seat. |
| How long to get started? | Months of searching, interviewing and notice periods, then a settling-in period. | Weeks. We read your numbers first and bring you a picture in the first month. |
| What experience do you get? | One person's experience, from wherever they worked before. | Patterns from 500+ businesses, so we have usually seen your problem before. |
| What if it does not work out? | A difficult and expensive exit, and you start the search again. | We work month to month. No long lock-in before you have seen the value. |
| Who does the recording work? | They usually need a team under them to produce the numbers. | Your existing accountant keeps doing it, with a clearer process from us. |
| When is full-time the right answer? | When you are large or complex enough to keep a senior person busy every day. | If you reach that point, we will tell you, and help you hire well. |
Do you need one yet?
Six signs it is time
If three or more of these sound like your week, a Virtual CFO will pay for itself quickly.
01
You are the only person in the business who understands the money, and it is taking your attention away from customers.
02
Sales are growing but the bank balance is not, and nobody can explain the difference clearly.
03
You are about to make a big commitment — a loan, a machine, a branch, a senior hire — and you are deciding on instinct.
04
A bank or an investor has asked for numbers and it took weeks to put together something you were comfortable sending.
05
You do not know which of your products or customers actually make money once everything is counted.
06
You take money out of the business and quietly hope it was a safe amount.
How it runs
The first month, and then every month after
The heavy work is at the start. After that it settles into a rhythm that takes about an hour of your time.
Notice where the work sits. Preparing the numbers is ours. Your part is one hour of thinking and then the decisions only you can make.
How we work with owners
In the room, not just on email
Reviews happen online so distance is never a problem, but we still meet owners in person wherever we can.
What owners say
Profit grew to 2.2×
"My entire perspective towards the accounts department has changed. Now I actively monitor the key parameters I learned — they've been game changers."
Praveen Goyal Director, Amasia Multigrain Pvt Ltd
Questions
Questions owners ask us
What is a Virtual CFO?+
A senior finance expert who works with your business part-time, usually a few days a month. You get the same thinking a full-time Chief Financial Officer would bring to cash flow, profit and big decisions, without paying a full-time senior salary.
How is this different from my accountant?+
Your accountant records what has already happened and keeps you compliant. That work is necessary, and it looks backwards. A Virtual CFO looks forward and helps you decide what to do next — whether you can afford to hire, what to price a product at, or how to fund your growth.
Will you replace my current accountant?+
No. In most cases we work alongside your existing accountant or finance team and give them a clearer process to follow. They keep doing the recording work, and we add the decision-making layer above it.
How much of my time will this take?+
About one hour a month for the review meeting, plus a short call when a decision cannot wait. The preparation work is ours, not yours.
What size of business is this for?+
It suits businesses that have outgrown a bookkeeper but cannot yet justify a full-time CFO salary. If you are still very small, the free masterclass and the workbook will serve you better for now — and we will tell you so rather than sell you something.
How long is the commitment?+
We work month to month. The first meaningful picture of your business usually arrives in the first month, and a routine your team can run takes about three months.
What does it cost?+
It depends on the size of your business and how much work is involved, so we quote after a short call. It is a fraction of a full-time CFO salary, and we will tell you honestly if you do not need the service yet.
Do you work with businesses outside Delhi NCR?+
Yes. We work with businesses across India and reviews happen online, so your location does not matter. Our firm has offices in Noida, Gurgaon, Mumbai and Hyderabad.
Related
Not sure this is the right starting point?
These often come first, depending on where your business is today.
Finance Control Framework
If you want the monthly system set up and your own team trained to run it.
Learn more →Cash flow and working capital
If your single biggest problem right now is that cash is always tight.
Learn more →The free masterclass
If you would rather understand all of this yourself before spending anything.
Join free →