01
Profit is not cash
Why a good month on paper can still leave your bank account empty, and where that difference actually goes.
You work out: the true gap between your reported profit and your cash.
The workbook · First two chapters free
Business Ka Financial Mirror
A self-reflection workbook that guides you step by step toward building your new financial reality.
A mirror shows you what is actually there, not what you hope is there. That is what this workbook does with your business numbers.
It is not a book you simply read. On most pages you stop and write in your own figures. By the end, you are not holding notes about finance. You are holding a clear picture of your own business.
Written by CA Harshil Goyal and CA Sajal Goyal, built on the same Finance Control Framework they have used with 500+ Indian businesses.
Why we wrote it
Most owners are not bad with money. They just cannot see it.
After sitting with hundreds of business owners, we noticed the same thing again and again. The problem was almost never effort. It was that nobody had ever shown them how to look.
A normal finance book
- Explains what a balance sheet is, in general terms
- Uses example companies that are nothing like yours
- You finish it, agree with it, and change nothing
- Sits on the shelf after one reading
This workbook
- Asks for your figures, from your own business
- Every exercise ends in a number you can act on
- Shows you where your cash is sitting right now
- You come back to it every month, not once
How you use it
Read a little, fill a little, then look at what it tells you
Three steps, repeated. That is the whole method.
This is why it works as a habit rather than a one-time read. The same pages give you a different answer next month, and that difference is the real lesson.
What is inside
The six things you will work through
Each part ends with an exercise on your own business, so nothing stays theoretical.
02
Finding your stuck money
The four places cash quietly sits — money customers owe you, stock that is not moving, advances paid too early, and penalties.
You work out: how much of your money is parked, and where.
03
The three reports worth reading
Out of everything your accountant can produce, only a few pages change decisions. This shows which, and how to read them.
You work out: your own version of all three reports.
04
How much profit you can safely take
The question almost every owner gets wrong in one direction or the other. There is a simple rule, and you can apply it yourself.
You work out: your safe monthly withdrawal figure.
05
Your 60-minute monthly review
A fixed agenda for one meeting a month that keeps your finances under control, whether or not you enjoy numbers.
You work out: your own review agenda and calendar date.
06
A team that does not need chasing
How to turn what you now understand into a routine your accountant or finance person follows without daily follow-ups.
You work out: who does what, and by which date each month.
No cost, no catch
Start with the first two chapters, free
We would rather you test the approach on your own numbers before deciding anything. The first two chapters are the ones most owners say changed how they look at their business.
- ✓ Why profit on paper is not cash in the bank, and how to fix it
- ✓ The 3 key reports every business should track monthly
- ✓ A proven system to control working capital and unlock stuck cash
- ✓ How to find the hidden leaks draining your profit, and plug them fast
- ✓ How to simplify finance so your team spends less time on accounts
Who it is for
Written for owners, not for accountants
If you recognise yourself in any of these, the workbook will make sense to you.
The owner who never studied finance
You built the business on skill and hard work. Nobody ever taught you to read your own numbers, and you have quietly worked around it.
The owner who gets reports but no answers
Statements arrive every month. You read them, nod, and still cannot say where the money went.
The owner whose cash is always tight
Sales are fine and profit looks reasonable, but there is never quite enough in the bank when you need it.
What owners say
"I always struggled to understand why there was profit in the books but not in the bank. The Book-to-Bank report was truly a game changer — it helped us focus on what really matters."
Ravindra Kondekar Managing Director, KCP Gauging Technology Pvt Ltd
Out in the world
The workbook, in the hands of real owners
We wrote it to be used, not admired. These are from workshops and meetings where we handed it over in person.
With Rahul Jain
Handing the workbook to Rahul Jain, one of the first business coaches in India, at a four-day owners' workshop.
At the launch
Presenting the workbook at one of our events. The line behind us says it plainly: a business should reflect its financial reality.
The authors
Two Chartered Accountants who use this system daily
Nothing in the workbook is theory they read somewhere. It is what they do with paying clients every week.
CA Sajal Goyal
Finance, tax and strategy · 20+ years
Has worked with 500+ businesses. He built the Finance Control Framework the workbook is based on.
CA Harshil Goyal
Valuation and M&A · 16+ years
A Registered Valuer who has valued 200+ companies. He wrote the sections on what your business is worth.
Questions
Questions about the workbook
What makes this a workbook and not a normal book?+
A normal book explains an idea and you move on. This one asks you to stop and fill in your own numbers before going further. By the end you are not holding notes about finance — you are holding a clear picture of your own business.
Do I need a finance background to use it?+
No. It is written for business owners, not accountants. If you can read your bank statement and your sales figures, you can use it.
What do I get for free?+
The first two chapters, at no cost. They cover why profit on paper is not the same as cash in the bank, and how to start finding where your money is stuck. The exercises are included.
How long does it take to work through?+
That depends on how much of your own data you fill in. Most owners get real value from the first two chapters in a single sitting, then work through the rest over a few weeks alongside their monthly review.
Is this the same as the free masterclass?+
They cover the same system from different directions. The class is 90 minutes, live, and you can ask questions. The workbook is slower and hands-on, and you keep returning to it every month. Many owners use both.
Do I need to buy anything to get started?+
No. Start with the free chapters and see whether the approach suits you before deciding anything else.