Your finance partner who thinks like a promoter, not a bookkeeper.

Maximize operating profit, optimize cash flow cycles, and gain investor-ready clarity on a flexible, fractional model

Book an Intro
Fractional CFO Support

Your business grew. Your finance function should too.

Get experienced CFO oversight across cash, reporting, margins and planning — without building a full in-house finance leadership team.

Book an Intro See how it works →
Better visibility Stronger cash control Better decisions
CFO Management View

October Finance Snapshot

Illustrative view
Cash Position ₹4.82 Cr Healthy liquidity
Working Capital Cycle 102 days Needs attention
Operating Margin 18.4% vs plan 20.0%
Performance

Revenue vs Margin

6 months
Revenue Margin
Working capital

Cash Cycle Drivers

Receivables
58d
Inventory
44d
Payables
35d
CFO Priority High priority

Free cash before adding more debt.

Tighten overdue receivables and revisit credit terms before increasing working-capital borrowing.

Illustrative management view • sample figures only

WHAT WE DO

You already have an accountant.
What you're missing is a CFO.

An accountant records what happened. A CFO tells you what it means, what's coming, and what to do about it. That gap — between clean books and confident decisions — is where growing Indian businesses lose money quietly for years. We close it.

01 · CLARITY

Numbers you can read

A monthly MIS in plain language — cash, margins, trends — closed on the same date every month, without you chasing it.

02 · CONTROL

Cash & compliance in hand

Working capital, controls and statutory deadlines watched every month — so a GST mismatch or a cash crunch gets caught weeks early, not after they cost you.

03 · CONFIDENCE

Decisions on real numbers

Know what's coming, whether you're ready to raise, and your real margins in negotiations — so the big calls run on facts, not an 11 pm spreadsheet.

Bookkeeping tells you where you've been. CFO CRAFT tells you where you're going.

Monthly MIS
Monthly Closed • 10th
Operating Margin
14.2%
↑ 1.5%
Cash Conversion Cycle
42 Days
↓ 3 Days
Revenue vs. COGS

We know your business, not just your books.

We're deliberately focused — deep where we add the most value: asset-heavy, working-capital-intensive businesses where cash and margin discipline decide who wins.

01 / 04 — ManufacturingScroll to explore ↓

INDUSTRY

Manufacturing

Costing, inventory, plant-level P&L, capex decisions and the working-capital squeeze of growth. We speak BOMs, job costing and prime cost — not just ledgers.

  • Product costing
  • Margin analysis
  • Capex
  • Working capital
Learn More →
INDUSTRY

Trading & Distribution

Thin margins, high volumes, credit risk and inventory turns. We give you SKU- and customer-level profitability and tighten the cash cycle.

  • Gross margin by SKU
  • Credit control
  • Inventory turns
  • Cash cycle
Learn More →
INDUSTRY

SERVICES

Utilisation, realisation and owner economics — the numbers that decide whether a busy company is actually profitable.

  • Utilisation
  • Project profitability
  • Owner draws vs. profit
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INDUSTRY

High-Growth Startups

Investor-ready reporting, runway and burn visibility, and a finance function that survives diligence.

  • Runway & burn
  • Investor MIS
  • Unit economics
  • Diligence-ready
Learn More →

The Finance Diagnostic is just the beginning

Discover CFO CRAFT's full service suite

01 / 06 — Finance DiagnosticScroll to explore ↓

FINANCE DIAGNOSTIC

Know exactly where your cash & Profit is stuck

The Finance Diagnostic pinpoints where cash is trapped and where margin is leaking, from slow-paying customers and excess inventory to under-priced products/ services and creeping costs, and hands you a prioritised plan to fix both.

  • Deep-dive into your cash conversion cycle and working capital
  • Margin analysis by products/ services, customer and channel, showing where you earn and where you lose
  • Trapped cash and margin leakage quantified in rupee terms
  • Prioritised action plan, usually inside 4 weeks
  • No long-term commitment required
Talk To An Expert →
MONTHLY CASH FLOW MODEL

See your cash future — month by month

Our 13-week and monthly cash flow models give you crystal-clear visibility into where your cash is going — and when the crunch is coming.

  • Receipts & payments forecasting with seasonal adjustments
  • Collection efficiency tracking & DSO trends
  • Overdraft drawdown planning & interest cost optimization
  • Real-time dashboards with monthly MIS reports
Talk To An Expert →
Working capital OPTIMIZATION

Unlock the cash trapped in your business

Every day, cash sits locked in unsold stock, unbilled work and unpaid invoices. We find it, measure it and help you release it, before you reach for another credit line.

  • Inventory and work-in-progress analysis: slow-moving SKUs, unbilled hours and stalled milestones
  • Billing-cycle review that closes the gap between work delivered and invoice raised
  • Receivables ageing and collection policy enforcement
  • Supplier and subcontractor payment term renegotiation
  • Cash conversion cycle benchmarking against relevant peer data
Talk To An Expert →
MIS & FINANCIAL REPORTING

Reports that actually drive decisions

Stop running your business on last quarter's numbers. Get monthly MIS packs, dashboards, and board-ready reports that tell you what's really happening.

  • Monthly P&L, Balance Sheet & Cash Flow statements
  • Product/division-wise profitability analysis
  • Budget vs Actual variance reporting
  • Custom KPI dashboards for promoters & boards
Talk To An Expert →
TAX & COMPLIANCE STRATEGY

Compliance handled. Tax optimized.

From GST filings to advance tax planning and TDS management — we ensure you're fully compliant while legally minimizing your tax burden.

  • GST return filing, reconciliation & audit support
  • Advance tax planning & computation
  • TDS compliance management
  • Transfer pricing & regulatory advisory
Talk To An Expert →
FUND RAISING & BANKING

The right capital, at the right cost

Whether it's renegotiating your overdraft, structuring a term loan, or preparing for equity — we help you secure capital that fuels growth, not debt traps.

  • Working capital loan restructuring & OD optimization
  • Term loan structuring & CMA data preparation
  • Investor-ready financial models & pitch decks
  • Bank relationship management
Talk To An Expert →
Why CFO Craft

Big-firm expertise. Boutique attention. Promoter-first thinking.

Industry Experienced By Default

You work with an experienced, qualified CFO — not a junior learning on your account. 25+ years across manufacturing, trading, services and tech.

Specialists, not generalists

We focus on growing businesses in the ₹10–200 crore band. That focus means faster insight and advice that fits.

Retainer-based, never hourly

No clock-watching, no surprise bills. You pay for outcomes and ownership — a predictable fee for a finance function that runs.

Systems from day one

We build SOPs, controls and documented processes as we go — so your finance function gets stronger and less dependent on any one person.

A partner who owns it

We don't hand you a report and leave. We sit on your side of the table for the decisions that follow — and stay accountable for the result.

Independent & objective

As an outside partner, we tell you what you need to hear — the honest read most promoters never get from inside their own team.

How It Works

From clarity to confidence, in a clear rhythm.

Setup measured in weeks. Impact you feel from the first close.

Diagnose

A Finance Diagnostic: a deep look at your books, cash, margins and compliance. An honest picture of where you stand — before any long-term commitment.

Design

We build your finance operating system: the MIS format, reporting calendar, controls and cash rhythm — tailored to your business, not a template.

Run

We own the monthly rhythm — close, MIS, cash flow, compliance — delivered on the same date every month, so you always work from fresh numbers.

Advise

Every month you sit down with your CFO to look forward — pricing, hiring, capex, funding. This is where reporting turns into results.

The Outcome

What changes when CFO Craft is on your team.

Before CFO Craft
  • — MIS arrives weeks late — if at all
  • — Cash is a constant mystery and monthly stress
  • — Profit by product / client is guesswork
  • — Compliance handled deadline-to-deadline
  • — Big decisions made on gut, not numbers
  • — Finance depends entirely on one or two people
With CFO Craft
  • ✓ MIS closed and delivered on a fixed date, monthly
  • ✓ A 13-week cash view and a plan behind it
  • ✓ Margins visible by product, SKU and customer
  • ✓ Compliance run as a system, with a calendar
  • ✓ Decisions made on current, reliable numbers
  • ✓ A documented function that outlasts any one person

You don't just get better reports. You get a better-run business.

Your business deserves to save both time and money

Let us handle your financial strategy, so you can focus on growing your business.

₹ 3 Cr+
average working capital
unlocked per client
40 %
average reduction in
cash conversion cycle
60 hours
of promoter time saved
per month on finance ops
Case study 1 of 9

Case Studies

Real businesses. Measurable outcomes.

See how a seasoned CFO changes the numbers that matter.

CFO CRAFT case study 1
CFO CRAFT case study 2
CFO CRAFT case study 3
CFO CRAFT case study 4
CFO CRAFT case study 5
CFO CRAFT case study 6
CFO CRAFT case study 7
CFO CRAFT case study 8
CFO CRAFT case study 9

Scroll to explore 01 / 09

View all case studies →

Pricing

Choose the level of CFO support your business needs.

Start with clear monthly financials, add embedded CFO ownership as complexity grows, or begin with a fixed-fee Diagnostic.

Fractional CFO — Starter

Your core financials delivered monthly, with a CFO call to walk you through them.

Monthly retainer

priced to your scope

Book an intro
  • P&L, balance sheet & cash flow
  • KPI dashboard
  • 30-min monthly CFO call
Full details →

Fractional CFO — Core

An experienced CFO embedded, owning your numbers and finance rhythm.

Monthly retainer

priced to your scope

Book an intro
  • Everything in Starter, plus
  • Monthly MIS with commentary
  • Cash & compliance oversight
  • Product, SKU & client margins
Full details →

Fractional CFO — Growth

Everything in Core, plus FP&A and banking support for bigger decisions.

Monthly retainer

priced to your scope

Book an intro
  • Everything in Core, plus
  • Budgeting & forecasting
  • Budget vs. actuals
  • Banker & auditor coordination
Full details →

Start here

Finance Diagnostic

A fixed-fee health check of books, cash, margins and compliance, with a prioritised action plan. No lock-in.

₹50,000

one-time

Full details →

Advisory

Specialist & Project Work

Cash crunch, compliance clean-up, fundraising, ERP change or M&A. Standalone or alongside any plan.

Custom

project-priced

Full details →

Need the full comparison? See exactly what Starter, Core and Growth include.

View Pricing

Stop deciding on six-week-old numbers.

The next big call in your business deserves current, reliable financials — and a CFO who can tell you what they mean. Start with a conversation.

Book an Intro
Our Story

Built by a CFO who's sat where you sit.

India's growing manufacturing and trading businesses are full of ambition and expertise — but most run their finances on instinct and outdated reports long after that stops being safe. The result is money lost quietly: to cash stuck in the cycle, to products sold below cost, to decisions made without the numbers to back them.

We started CFO Craft in 2022 to give these businesses the kind of financial leadership usually reserved for large companies — senior, strategic and hands-on — at a size and price that makes sense for them.

  • Finance should help you decide, not just report.
  • Focus beats breadth — we go deep in the sectors we know.
  • Systems outlast people — we build finance functions that last.
  • Straight talk earns trust — we tell promoters what they need to hear.

Sudhir Gawandi

FOUNDER

A Chartered Accountant with 25+ years across manufacturing, trading, professional services and technology, Sudhir has worked as CFO and held business leadership positions in various organisations. He has led FP&A, financial reporting and compliance, ERP implementations, and M&A due diligence and integration for businesses navigating exactly the growing pains CFO Craft is built to solve.

His focus is on strategy and building lasting partnerships with the founders, promoters and MDs we serve — bringing the judgment of a seasoned CFO to the decisions that shape their businesses.

FAQs

Questions promoters ask us

What exactly is a Virtual / Fractional CFO?

A senior CFO who leads your finance function part-time, on a monthly retainer — the strategic financial leadership a large company gets from a full-time CFO, sized and priced for a growing business. You get the judgment, the reporting rhythm and the accountability, without the cost or hiring risk of a full-time hire.

How is this different from my current CA or accountant?

Your accountant records what has already happened and keeps you compliant — essential work. A CFO looks forward: what the numbers mean, what's coming, and what to do about it. We work alongside your existing CA, not instead of them — we turn their books into decisions.

Which businesses do you work best with?

Growing manufacturing and trading businesses, typically in the ₹20–200 crore revenue band, where cash and margin discipline decide who wins. We also support professional services firms and highgrowth startups. If you're not sure you fit, a discovery call will tell us both quickly.

Do I need to change my accounting software?

No. We work with what you already run — Tally, Zoho and others. If a change would genuinely help, we'll say so and guide the transition — but it's never a precondition to working with us.

How do we get started?

With a short discovery call to understand your business and where you stand. From there, most engagements begin with a fixed-fee Finance Diagnostic — an honest picture of your finance function — before any longer-term commitment.

How do you charge?

Fixed and retainer-based, never hourly. The Diagnostic is a one-time fixed fee; ongoing work is a predictable monthly retainer scoped to your business. You pay for outcomes and ownership, not hours on a clock.

Is my financial information confidential?

Entirely. We handle your financials under strict confidentiality, with access controls and clear datahandling practices. Your numbers are never shared, and we're happy to sign an NDA before you share anything sensitive.

Do you work remotely or on-site?

Primarily remote, with on-site visits where they add value — onboarding, key reviews or specific projects. Our reporting rhythm and monthly advisory run smoothly wherever you're based.

Get in Touch

Let's talk about your numbers.

Ready for a Diagnostic, or just want to understand what a fractional CFO could do? Tell us a little about your business — we'll respond within one working day.

Reply within one working day Confidential by default No spam or sales blitz

Your details stay confidential. No spam, no sales blitz — just a considered response.

Prefer to pick a time now? Grab a discovery-call slot →

EMAIL

info@cfocraft.com
PHONE / WHATSAPP

+91 9892560660
OFFICE

CFO CRAFT Advisory Services pvt Ltd
Aditya Heritage, 502, Near Rustomjee Elanza Avenue, Mindspace, Malad West, Mumbai 4000664

HOURS

Mon–Fri, 10 am – 6 pm IST