The Financial Summary Sheet
It answers
"Was last month actually a good month?"
One page carrying the handful of numbers that tell you how the month went, next to last month and next to your plan. This is the page you read in five minutes.
Our signature system
The Finance Control Framework, installed in your business
Three reports worth reading. One hour a month. A routine your own team runs.
We build it inside your business with your numbers, train your people to run it, and then step back on purpose.
Built by CA Sajal Goyal and used with 500+ Indian businesses across manufacturing, retail, D2C, services and technology.
3
Reports that actually matter
60 min
The whole monthly review
~3 months
Until your team runs it alone
The idea behind it
You do not need more reports. You need fewer, on a fixed date.
Most owners already receive plenty of finance information. The trouble is that nobody ever decided which parts of it matter, so it arrives as a thick pack that gets skimmed once and filed.
So we did the deciding. Out of everything your accounts can produce, three reports change what an owner does next. The framework builds those three, puts them on a fixed date, and wraps a one-hour meeting around them.
Before: eighteen pages, read by nobody. After: one page, seven numbers, in five minutes.
The heart of the framework
Three reports, each answering one question
Built with your own numbers, in the software you already use. Each one exists because it answers a question owners kept asking us.
The Book-to-Bank report
It answers
"If I made a profit, where is the money?"
It traces the gap between the profit on paper and the cash in your account, line by line, until the difference is fully explained. Owners tell us this is the one that changes how they think.
The working capital view
It answers
"How much of my cash is stuck, and where?"
A rupee figure against each place your money sits — unpaid customer bills, stock that is not moving, and advances paid to suppliers too early.
The monthly meeting
What the 60 minutes actually looks like
Same running order every month. That is what makes it survive a busy quarter.
First 10 minutes
How the month went
Read the summary sheet together against last month and the plan. No discussion yet, just an agreed picture of what happened.
Uses: the Financial Summary Sheet
Next 20 minutes
Where the money went
Work through the gap between profit and cash until it is fully explained, then look at what is currently parked in bills, stock and advances.
Uses: the Book-to-Bank report and the working capital view
Next 20 minutes
What needs a decision
Two or three things only. Collections that have slipped, stock that is not moving, a price that no longer works, or a payment that can safely wait.
Uses: whatever the first 30 minutes surfaced
Last 10 minutes
Who does what, by when
Each decision gets a name and a date before anyone leaves the room, and those become the first items on next month's agenda.
Uses: the monthly checklist
How the handover works
We do most of it at first, then less and less
The aim is not to make you dependent on us. It is to make the routine survive without us.
By month four the review is simply how your business works. Many owners keep a light monthly check-in with us, but nothing breaks if they do not.
Also included
The parts that make it stick
Reports alone do not survive a busy month. These are what keep the routine running once we step back.
Templates and a monthly checklist
Written down, not carried in someone's head. If a person is away, the next one opens the checklist and carries on.
A safe withdrawal rule
A clear method for working out how much profit you can take this month without putting the business under strain.
Training for your own team
We teach your accountant the routine directly, so it becomes their job rather than a burden handed down from you.
Set up in your own software
Built on what you already run, including Tally. No migration, no new subscription, no starting again from zero.
Before and after
What changes in how your business runs
Five ordinary questions, answered the way most owners answer them today, and the way they answer them once the framework is in.
| The question | How it works today | With the framework |
|---|---|---|
| When do the numbers arrive? | When you chase for them, usually weeks late. | The same date every month, without anyone being asked. |
| Where is your cash right now? | Somewhere in receivables and stock. Nobody has the figure. | A rupee figure for each place it is parked, updated monthly. |
| How much can you take out this month? | You take an amount and hope it was safe. | A rule you apply yourself, in a couple of minutes. |
| What if your accountant is on leave? | Everything waits. The month closes late. | The next person opens the checklist and carries on. |
| How long does finance take from you? | Scattered hours every week, mostly chasing. | One hour a month, at a time you choose. |
What owners say
On the Book-to-Bank report
"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
Questions
Questions owners ask us
What is the Finance Control Framework?+
It is a simple monthly finance routine for business owners. It gives you three reports worth reading, a fixed one-hour monthly review, and a clear rule for how much profit you can safely take out. We set it up inside your business and train your team to run it.
Do I need to change my accounting software?+
No. We build the framework on top of what you already use, including Tally. The point is to get better information out of what you have, not to make you start again.
Will my accountant resist this?+
Usually the opposite. It gives them a clear list of what to prepare and by when, which removes the guesswork and the last-minute chasing. We train them directly, so it becomes their routine rather than extra work handed down.
How long does setup take?+
The reports and routine are usually in place within the first month. It takes about three months for your team to run the review confidently on their own.
What happens after you step back?+
That is the point of it. Your team keeps running the monthly review using the templates and checklists, and you keep getting the same reports. Many owners keep us on for a light monthly check-in, but the system does not depend on us.
How is this different from the Virtual CFO service?+
The framework installs the system and hands it to your team. The Virtual CFO service keeps a senior finance person beside you every month for the decisions themselves. Some owners start with the framework and add a Virtual CFO later, and some do both together.
Is this the same as the free masterclass?+
The masterclass teaches you the framework so you can build it yourself. This service is us building it with you, in your business, with your numbers and your team. Start with the free class if you would rather try it on your own first.
What does it cost?+
It depends on the size of your business and the state of your books, so we quote after a short call. If your books are too far behind for the framework to work yet, we will tell you that first.
Related
Not sure this is the right starting point?
Depending on the state of your books, one of these may come first.
Outsourced accounting
If your books are behind, this comes first. A routine needs correct numbers to work on.
Learn more →Virtual CFO
If you also want a senior finance person beside you for the big decisions each month.
Learn more →The free masterclass
If you would rather learn the framework first and try building it yourself.
Join free →