📈 Advisory · Virtual CFO
Virtual CFO Services for Startups & SMEs
Senior CA-led financial leadership without a full-time hire. We serve as your outsourced CFO — handling financial reporting, investor decks, compliance oversight, cash flow management, and board-level advisory on a retainer basis.
What We Cover
Our Services
Monthly MIS & Management Reporting
Profit & loss, balance sheet, cash flow statement, and key metrics dashboard delivered monthly. Actuals vs. budget variance analysis. Board-ready presentations.
Cash Flow Management
13-week rolling cash flow forecast, receivables and payables monitoring, working capital optimisation, and early identification of liquidity stress points.
Financial Modelling & Projections
3-statement integrated financial model, revenue projections, unit economics analysis, and scenario modelling for fundraising, expansion, or restructuring decisions.
Investor Reporting & Board Decks
Monthly and quarterly investor updates, board presentations, financial section of pitch decks, and due diligence data room preparation for funding rounds.
Compliance Oversight
Coordination and oversight of all statutory compliance — income tax, GST, TDS, ROC filings, PF/ESIC, and any sector-specific regulatory requirements. Nothing falls through the gaps.
Fundraising Support
Financial documentation for angel rounds, seed funding, and Series A — cap table management, term sheet analysis, ESOP scheme design, and FEMA/RBI compliance for foreign investment.
Accounts Payable & Receivable
Vendor payment scheduling, customer invoicing, collections monitoring, and DSO/DPO analysis. Ageing reports and approval workflows aligned with your processes.
Audit Readiness
Books maintained in audit-ready condition throughout the year. We coordinate with your statutory auditor to ensure a clean, efficient audit process with no last-minute scramble.
How We Work
Simple Process
01
Onboarding
We review your current books, accounting software, existing compliance status, and team structure to understand the gaps.
02
Month 1 Setup
Chart of accounts review, reporting template design, compliance calendar setup, and historical data clean-up if required.
03
Monthly Cadence
Books closed by the 10th of each month. MIS delivered by 15th. Compliance calendar managed proactively throughout the month.
04
Quarterly Review
Quarterly business review with founders/management — financial performance, compliance status, and strategic financial planning discussion.
05
Annual Coordination
Annual audit coordination, tax planning, ITR filing, and financial statements preparation for statutory purposes.
Common Questions
Frequently Asked Questions
A regular CA typically handles compliance — return filing, audit, tax computation. A Virtual CFO provides ongoing financial leadership: building financial models, preparing investor reports, managing cash flow, overseeing the entire compliance calendar, and advising management on financial strategy. For startups and SMEs that need CFO-level thinking but cannot justify a full-time hire at Rs.30–80 lakh per year, a Virtual CFO on retainer delivers the same capabilities at a fraction of the cost.
Typically from the time you have raised seed funding or have revenues above Rs.50 lakh annually. Before that stage, a good bookkeeper and CA for annual compliance is sufficient. After funding or scale, investors expect monthly MIS, burn rate tracking, and board-ready financials — which require CFO-level capability. Pre-Series A is the ideal time to bring in a Virtual CFO so that financial systems are investor-ready before the due diligence process begins.
We work with Tally Prime, Zoho Books, QuickBooks, and Excel-based systems depending on your existing setup and team preferences. For startups scaling rapidly, we recommend Zoho Books for its GST integration, automated bank reconciliation, and multi-user access. We can also assist with migration from one system to another.
A typical Virtual CFO retainer includes: monthly bookkeeping and bank reconciliation, MIS report preparation, compliance calendar management and coordination (GST, TDS, ROC, PT), monthly management call, quarterly board presentation preparation, and annual audit coordination. Specific deliverables are customised based on the business stage, complexity, and team structure. Fees are typically on a fixed monthly retainer.
Yes. Virtual CFO support for fundraising includes building the financial model (3-statement with assumptions), preparing the financial section of the pitch deck, building the data room (historical financials, cap table, compliance certificates, bank statements), and supporting due diligence queries from investors and their advisors. We have experience supporting fundraising from angel investors, family offices, and institutional VCs.
Explore More
Related Services & Guides
Get in Touch
Engage a Virtual CFO Today
Tell us your stage, team size, and current financial setup. We will propose a retainer structure that delivers CFO-level value for your business.