Virtual CFO Services
CFO-level insight without the CFO cost
A senior chartered accountant as your fractional CFO — cash-flow planning, budgeting, investor MIS and board reporting.
What's included
- Cash-flow & budget planning
- Investor-grade MIS
- Fund-raise readiness
- Monthly strategy call
Understanding Virtual CFO Services
A full-time CFO in India costs ₹40-80 lakh a year — sensible for a company doing ₹100 crore in revenue, absurd for one doing ₹5 crore. Yet the questions a CFO answers arrive much earlier: how many months of runway do we have, which product actually makes money, what will this hiring plan do to cash, and what will investors ask in diligence. A virtual CFO gives you that thinking for a defined number of hours each month, at a fraction of the cost, without the ego or the equity ask.
The engagement is built around a monthly rhythm. We prepare a 13-week rolling cash-flow forecast so you see crunches six weeks before they arrive, not the Friday salaries are due. We build an investor-grade MIS — revenue by segment, gross margin, burn, runway — that goes out on time every month. We compute your unit economics honestly: contribution margin, CAC payback, cohort behaviour where relevant. And before board meetings or fundraises, we prepare the deck and the numbers behind it, then sit beside you in the room or on the call.
This is not bookkeeping with a fancier name. Your accountant records what happened; a CFO tells you what it means and what to do next. Clients typically come to us just before or after a funding round, when a bank asks questions the founder cannot answer, or when growth has made gut-feel decisions expensive. At ₹14,999 per month, one avoided mistake — a mispriced contract, an unnoticed cash cliff, a diligence surprise — pays for years of the service.
Who needs this?
Funded startups with reporting obligations
Investors expect a monthly MIS, budget-versus-actual tracking and board packs. A virtual CFO produces these to institutional standard and fields investor finance questions directly.
Founders preparing to raise
Financial model, data room, unit economics narrative, diligence readiness — we build these months before the raise so numbers strengthen the story instead of stalling it.
Businesses growing faster than their finance function
Revenue tripled but you still decide from a bank balance. A virtual CFO installs forecasting, pricing discipline and margin visibility before growth outruns cash.
Companies with cash-flow stress despite profits
Profitable on paper, always short of cash — usually receivables, inventory or debt structure. We diagnose the leak with a 13-week cash forecast and fix the working-capital cycle.
SMEs negotiating with banks
CMA data, projections and ratio management for working-capital limits or term loans. Banks lend more readily when a professional presents the numbers.
Family businesses professionalising
Moving from one ledger and one patriarch to budgets, accountability and clean reporting — often ahead of a generational handover or an outside investor.
When this is NOT the right fit
| Your situation | What applies instead |
|---|---|
| ✕Your books are not being maintained at all | CFO analysis is built on reliable data. If books are months behind, start with monthly bookkeeping; add the virtual CFO layer once numbers are trustworthy — we will tell you honestly which you need first. |
| ✕You want someone to sign as a full-time employee or KMP | A virtual CFO is an advisory engagement, not a statutory Key Managerial Personnel appointment under the Companies Act. Companies legally required to appoint a whole-time CFO need a hire, though we can support that person. |
| ✕You only need year-end tax filing | That is a compliance need, well served by our tax filing services at a fraction of this price. Paying for monthly CFO insight you will not use helps nobody. |
Not sure which applies to you? Message us — we'll point you to the right service in minutes, free.
Documents you'll need — and why
Access to your accounting system
Tally, Zoho Books or whatever you run — read access lets us pull actuals directly every month instead of waiting on emailed spreadsheets.
Last 2-3 years' financial statements
Historical trends anchor every forecast. Margin drift, seasonality and cost creep only show up against history.
Bank statements and existing loan terms
Cash forecasting needs actual balances, EMI schedules, limits and covenants — hidden covenants are a classic source of nasty surprises.
Revenue data by customer and product
Unit economics and concentration risk live here. Knowing that two customers are 60% of revenue changes every other decision.
Cap table and shareholder agreements
Liquidation preferences, anti-dilution clauses and investor consent rights shape fundraising strategy and what your board pack must cover.
Current budget or financial model, if any
We refine what exists rather than rebuilding from zero — and if nothing exists, that is the first deliverable.
Key contracts with customers and vendors
Payment terms, lock-ins and price escalation clauses drive the working-capital cycle we will be forecasting and improving.
How it works, step by step
- 1
Diagnostic review
Week 1-2We study your financials, cash position, margins and reporting gaps, then give you a candid written assessment of the three or four things that matter most right now.
- 2
Foundation build
Week 3-6MIS templates, a 13-week rolling cash-flow forecast, an annual budget and your unit-economics model are set up and agreed with you.
- 3
Monthly rhythm
Ongoing, monthlyEach month: MIS within 10-12 days of month-end, refreshed cash forecast, budget-versus-actual variance analysis, and a 60-90 minute review call to decide actions.
- 4
Quarterly deep-dives
Every quarterPricing reviews, cost-structure analysis, board deck preparation, and re-forecasting for the rest of the year based on what has actually happened.
- 5
Event support
As neededFundraises, bank negotiations, large contracts and diligence processes get dedicated attention when they arise — modelling, data rooms and being in the room for the hard questions.
Why doing this right pays off
CFO thinking at 3-5% of CFO cost
₹14,999 per month against ₹40-80 lakh a year for a full-time hire — with senior attention on the hours that actually need it.
See cash problems 6-8 weeks early
A maintained 13-week cash forecast turns payroll crises into calm, early conversations with customers, vendors or your bank.
Investor-grade reporting
A monthly MIS and board pack that answer questions before they are asked. Funds notice, and diligence moves faster because the data room is already clean.
Decisions backed by unit economics
Know contribution margin per product, CAC payback and where growth actually creates value — so you scale the profitable thing, not just the popular one.
A sparring partner who is not invested in yes
Someone financially literate and independent to pressure-test the acquisition, the big hire, the price cut — before the money leaves.
Common DIY mistakes we see
- Treating the bank balance as the financial plan, and discovering a cash cliff only when a big customer pays 45 days late.
- Reporting blended gross margin while one product quietly loses money on every sale the sales team celebrates.
- Building a fundraise model two weeks before investor meetings, producing numbers that fall apart under the first diligence question.
- Hiring ahead of a revenue plan that exists only in the founder's head, then facing layoffs that were arithmetic, not bad luck.
- Confusing profit with cash — taking on growth orders whose working-capital needs strangle the company that won them.
Frequently asked questions
Your accountant records the past and files compliance — essential, but backward-looking. A virtual CFO works on the future: cash forecasts, pricing, unit economics, investor reporting and decision support. We work alongside your existing accountant or our own bookkeeping team; we do not replace them.
Not sure if this is the right service?
Message us on WhatsApp — a real expert replies, usually within minutes.
All-inclusive professional fee. Government fees (if any) extra at actuals.
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🎁 Offers on this service
20% off up to ₹1,500
You save ₹1,500 → pay only ₹13,499
on orders above ₹4,999
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Q1 TDS return (24Q/26Q) due
31 July 2026 — book now and beat the last-minute rush.