Virtual CFO Services

Cash Flow & Working Capital Management

Cash is the lifeblood of every business. We monitor, optimize, and protect your liquidity — from cash flow forecasting and working capital cycle improvement to receivables management and treasury operations advisory.

Applies to: factory Manufacturing & Trading Companies storefront Businesses with Long Credit Cycles rocket_launch Growth-Stage Companies crisis_alert Businesses Facing Liquidity Pressure
What We Do

Keep Cash Flowing. Keep Your Business Growing.

Profitable businesses fail because of cash flow. We ensure you always know where your cash is, where it is going, and how to protect and optimize it — so liquidity is never a constraint on growth.

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Cash Flow

Cash Flow Monitoring & Optimization

Knowing your cash position today is not enough — you need to know where it will be in 13 weeks and 12 months. We build and maintain rolling cash flow forecasts, monitor daily and weekly cash positions, and identify cash optimization opportunities: from accelerating collections to deferring non-critical payments, improving payment terms, and reducing cash trapped in inventory or receivables.

event_note 13-Week Forecast Weekly cash flow forecast updated regularly — the essential short-term liquidity management tool
timeline 12-Month Projection Annual cash flow projection identifying future funding needs and surplus deployment opportunities
speed Cash Optimization Identifying and unlocking cash trapped in the business — accelerating inflows, deferring outflows, improving payment terms
savings Surplus Deployment Advisory on short-term deployment of cash surpluses to earn returns while maintaining required liquidity buffers
Weekly monitoring for businesses under cash pressure; monthly for stable businesses arrow_forward
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Working Capital

Working Capital Analysis & Cycle Improvement

Working capital is the most misunderstood financial concept in growing businesses. Many profitable companies fund their growth with expensive bank borrowings when the real solution is to compress the working capital cycle — reducing debtor days, increasing creditor days, and optimising inventory levels. We analyse your complete working capital cycle, benchmark it against industry norms, and identify the specific changes that will free up the most cash.

analytics Cycle Analysis
  • Debtor days (DSO)
  • Creditor days (DPO)
  • Inventory days (DIO)
compare Benchmarking
  • Industry comparison
  • Peer-group analysis
  • Improvement targets
build Improvement Plan
  • Specific action plan
  • Cash release quantified
  • Implementation timeline
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AR & AP Management

Receivables & Payables Management Oversight

Accounts receivable and accounts payable are the two biggest levers of working capital. A disciplined receivables management process can significantly improve cash conversion, while strategic payables management preserves cash without damaging supplier relationships. We implement oversight frameworks and policies for both functions — reducing overdue debtors, preventing disputed invoices, and managing creditor payment timing strategically.

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Receivables Management
Ageing analysis, follow-up protocols, credit limit policies, and overdue escalation procedures — reducing DSO and bad debt risk
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Payables Management
Payment scheduling to maximize DPO without damaging supplier relationships — balancing cash retention with supply chain stability
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Credit Policy Design
Customer credit assessment framework, credit limits, and payment terms aligned with your risk appetite and sales strategy
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MSME Payment Compliance
Monitoring 45-day payment rules for MSME suppliers under MSMED Act — managing MSME-1 filing obligations and avoiding interest liability
Monthly AR/AP reviews with management — alerts on critical overdue positions arrow_forward
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Treasury Advisory

Treasury Operations Advisory

Treasury management goes beyond cash balance monitoring — it encompasses bank relationship management, debt structure optimization, foreign exchange risk management, and the strategic deployment of surplus funds. We bring treasury expertise to businesses that need it without the cost of a dedicated treasury function, advising on banking structures, borrowing instruments, FX hedging, and short-term investment strategies.

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Bank Relationship Management
Credit facility negotiations, bank covenant management, and maintaining healthy banking relationships for future borrowing needs
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FX Risk Management
Foreign currency exposure identification, hedging strategy advisory, and forward contract management for import/export businesses
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Debt Structure Optimization
Review and optimization of borrowing mix — CC limits, term loans, invoice discounting, and trade finance for cost efficiency
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Surplus Fund Deployment
Advisory on short-term instrument selection — liquid mutual funds, FDs, T-Bills — balancing safety, liquidity, and yield requirements
Includes liaison with bankers, lenders, and financial institutions on your behalf arrow_forward
Our Impact

Better Cash Management. Less Borrowing. More Growth.

We have helped businesses across manufacturing, trading, services, and distribution sectors reduce their working capital cycles, improve cash conversion, and reduce their dependence on expensive short-term debt.

30%
Average reduction in debtor days achieved for clients
₹50Cr+
Working capital freed up for clients through cycle improvement
Weekly
Cash position monitoring frequency for critical engagements
100+
Cash flow models built and maintained for businesses

Never Let Cash Flow Be the Reason Your Business Stalls.

Whether you need a cash flow forecast, working capital improvement, receivables management, or treasury advisory — we bring the expertise to keep liquidity from becoming a constraint on your growth.

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Office Address

4th Floor, Solitaire 1, New Link Rd, Malad West, Mumbai 400064.

call

Direct Line

+91-8169820387 | 022-46022657