Know where cash is blocked
Spot the receivables, stock and vendor advances quietly draining your cash — and unlock them fast.
Trusted by 2,000+ SME owners · 15+ years
Financial clarity and control for India's SME owners
CA Harshil & Sajal help founders get audit-ready books every month, see exactly where cash is stuck, and build a finance team that runs without daily firefighting — using the Finance Control Framework.
500+
SMEs guided
200+
Company valuations
20+
Years in finance
₹33 Cr
of stuck cash one client unlocked after seeing it clearly
As seen in 
Does this sound familiar?
Profit on paper, but the bank account tells a different story
Between delayed receivables, compliance stress and hidden leaks, cash flow rarely matches what your books show. Most SME owners live with some version of this:
You waste hours chasing reconciliations, entries and simple updates.
Statements look healthy, but your bank balance says otherwise.
Errors and mismatches only surface during audits — too late to fix.
Receivables, stuck stock and unmonitored advances drain your cash.
You get raw entries, not insights on margins, cash flow or profit.
Everything wobbles if your key accountant quits or falls sick.
What you'll gain
Clarity, control, and a finance function that finally works
The exact system we've implemented with 500+ Indian SMEs across manufacturing, retail, D2C and services.
Audit-ready books monthly
No more last-minute panic. Accounts stay timely, accurate and always under control.
Review finance in 60 minutes
One simple monthly meeting to stay on top of profit, cash flow and working capital.
Withdraw profits with confidence
Know the exact amount you can safely take out each month, without fear of running dry.
Lead finance like a CFO
Run your numbers with authority instead of chasing accountants and firefighting deadlines.
A team that runs without you
Shift from people-dependence to a process-driven finance system that holds on its own.
How we help
Finance systems built for growing businesses
Whether you want to learn the system yourself or have it implemented with you, there's a clear path.
Virtual CFO
Virtual CFO Services
A senior finance brain guiding your cash flow, profitability and decisions — without the cost of a full-time CFO.
Learn more → Signature systemThe Finance Control Framework
The monthly review system used by 500+ SMEs to keep cash, profit and working capital under control.
Learn more → Cash & working capitalCash Flow & Working Capital
Find the cash trapped in receivables, stock and advances — and put a system in place to keep it moving.
Learn more → Done-with-youOutsourced Accounting for SMEs
Reliable books, reporting and compliance handled by an experienced team, so you can focus on growth.
Learn more → Free 90-minute masterclass
Build a Finance Team that Works Without You
Stop firefighting in accounts. In 90 practical minutes — no theory, no jargon — learn how to get audit-ready books, real cash-flow clarity, and a finance team that runs smoothly without your daily follow-ups.
- ✓ Track every rupee — spot where money gets blocked
- ✓ The Finance Control Framework, explained step by step
- ✓ Withdraw profits with confidence, every month
- ✓ Run your finance in one 60-minute monthly review
Meet your mentors
Two Chartered Accountants who've lived the SME journey
From a small kirana store in Sikandrabad to guiding 500+ businesses — Harshil & Sajal teach the systems they actually use with clients.
CA Sajal Goyal
Finance, Tax & Strategy · 20+ years
A Chartered Accountant who has worked closely with 500+ businesses across manufacturing, D2C, retail, service and technology — known for turning complex finance into simple, implementable systems.
Read full bio →
CA Harshil Goyal
Valuation & M&A · 16+ years
A Registered Valuer and M&A expert who has led valuations for 200+ companies, helping founders strengthen their financial systems and build long-term enterprise value.
Read full bio →The numbers behind the work
2,000+
SME owners trained through webinars
500+
Businesses guided across industries
100+
Team members supporting clients
3.1x
Profit growth in our own journey
In their words
SME founders who found clarity — and grew
Endorsed by Rahul Jain, a pioneer of business coaching in India, and trusted by owners across the country.
"My entire perspective towards the accounts department has changed. Now I actively monitor the key parameters I learned — they've been game changers. Profit has grown to 2.2x this year."
"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. I was able to 1.5x my profits almost immediately."
"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."
The book
Business Ka Financial Mirror
Not another theory book — a hands-on workbook that gives SME owners real clarity on profits, cash flow and financial control. Built around the Finance Control Framework.
- ✓ Why profit on paper ≠ cash in the bank — and how to fix it
- ✓ The 3 reports every SME should track every month
- ✓ A system to control working capital and unlock stuck cash
Free resources
Practical guides for owners who want to understand their numbers
Plain-English answers to the finance questions SME owners actually ask.
Cash flow
Why there's profit in your books but no cash in the bank
The gap most owners feel every month — explained simply, with where to look first.
Case study
How DMart scales without funding: the cash-flow lesson
What negative working capital really means, and how SMEs can borrow the idea.
Templates
The 60-minute monthly finance review checklist
The exact agenda to review profit, cash and working capital in under an hour.
Questions
Frequently asked questions
Common questions SME owners ask us about the masterclass and the way we work.
Who is this masterclass for?+
It's designed for SME business owners, founders and decision-makers who want better control over accounts, cash flow and profits.
I'm not from a finance background. Will I understand it?+
Absolutely. The framework is explained in simple, practical steps — no jargon. Many non-finance founders use it successfully.
What exactly will I learn?+
How to get audit-ready books every month, track cash, profit and working capital easily, and build a finance team that works without you chasing them.
Is this relevant to my industry?+
Yes. Cash flow, compliance and finance-control challenges are similar across manufacturing, retail, D2C and services.
Will there be a sales pitch?+
It's a free, value-first session. We'll share how you can work with us for deeper implementation, but the masterclass itself is actionable on its own.
How do I join the session?+
Once you register, you'll get the Zoom link and reminders on email and WhatsApp before the session. Just click and join at the scheduled time.
Ready to see your business finances clearly?
Join the free masterclass and walk away with a system you can start using the very next morning.
Join the free masterclass