In most businesses we look at, a large share of the year's turnover is sitting still — in bills customers have not paid, stock that is not selling, and advances sent to suppliers too early.
It is your money. We find it, free as much of it as we can, and set up a routine so it keeps moving.
Led by CA Sajal Goyal, who has read the numbers of 500+ Indian businesses across manufacturing, retail, D2C, services and technology.
Nothing here is a mistake. It is simply how trade works. The problem starts when nobody measures how wide the gap has become.
This gap has a name — the cash conversion cycle. Most owners have never seen theirs measured. When it stretches past about 90 days, a growing business quietly burns cash even while it is profitable.
We put a rupee figure against every one of these, so you stop guessing and start deciding.
Invoices raised weeks or months ago that nobody has chased in any organised way. Usually the largest single pile.
Material bought for an order that changed, or held "just in case". It looks like an asset on paper and behaves like a locked cupboard.
Money sent to suppliers well before you needed to, often out of habit or to keep a relationship comfortable.
Late filings, missed due dates and interest on money you borrowed while your own cash sat elsewhere. Small each time, heavy over a year.
Sajal met an owner who was confident, sharp and successful. Three questions in, the room went quiet.
Look at those four numbers together. A third of his turnover was sitting completely still. He needed ₹10 crore to grow, and his entire annual profit was ₹8 crore — so growth could not be funded out of profit, no matter how good the year was.
But ₹33 crore of his own money was already inside the business, doing nothing. He did not have a funding problem. He had a visibility problem, and it had been there for years.
His answer, before we opened the balance sheet, was the one we hear most often: "profit will fund it." For most owners, the real answer is already written in their own balance sheet. They have just never read it that way.
Three phases. The first one is quick, and it is usually the one that surprises people.
We go through your own books and put a rupee figure against every place your cash is currently parked. Nothing is estimated, and nothing is left as "receivables" in one lump.
We work through the list in order of what will release the most cash for the least strain on a customer or supplier relationship. This part is practical work, not a report.
Freed cash comes back if the habits do not change. So we leave behind a simple routine your own team runs, and a weekly view so a tight month is something you see coming.
"I used to think I was growing, but I wasn't. After the program I gained clarity on cost-centre profits, withdrawable profit and the reports that matter."
Freeing the cash is the first win. Keeping it free is what these are for.
The full monthly routine, so cash never quietly builds up in the same places again.
Learn more →If you want a senior finance person beside you each month as the business grows.
Learn more →We spend 30 minutes of it on exactly this — where cash gets stuck and how to find it.
Join free → One short call. We will tell you what we would look at first, and roughly how much of your cash we would expect to find parked.