Clarity
A simple monthly dashboard of the six to eight metrics that matter for your business lands before your review meeting. You know your margins, your cash position and where you are tracking against plan. No surprises.
Fractional CFO · India · UK · US
Fractional CFO services for businesses that have outgrown their accountant.
CFO-level leadership for promoter-led companies, funded startups and growth-stage businesses. Cash you can count on, margins you can see, numbers that lenders and investors trust. A few days a month, at a fraction of a full-time hire.
Led by a Chartered Accountant with 25+ years in senior finance and CFO roles across 30+ countries. Serving Thane, Mumbai and all of India, with remote engagements for UK and US businesses.
Senior finance leadership at global majors, now available to your business
- Schlumberger
- Weatherford
- Shell
- Equifax
Sound familiar?
Your business is growing. Your finance function hasn't kept pace.
Revenue climbs, the team grows, the decisions get bigger. Yet the numbers arrive late, margins are a guess and nobody has a clear forward view. If any of these sound like you, you are exactly who we help.
“We're profitable on paper, but cash is always tight.”
“Our finance processes are ad hoc. We need proper SOPs and controls.”
“I don't really know my product, customer or project-level margins.”
“We're planning to raise debt or equity and need investor-ready numbers.”
“We've outgrown Tally but don't know which ERP to move to.”
“My accountant handles compliance, but no one owns strategy.”
What a fractional CFO delivers
Clarity. Control. Confidence.
We build the systems, reporting discipline and strategic thinking that let you run your business with confidence, embedded a few days a month.
- A monthly dashboard of the six to eight numbers that matter, before your review meeting
- SOPs, controls and a close calendar so the business runs on process, not memory
- Investor-ready models and lender packs when you need them
Control
Proper SOPs, finance processes and internal controls so the business runs predictably, not on the promoter's memory. Working capital, costs and performance managed with discipline, not guesswork.
Confidence
Walking into a lender meeting, a board review or a strategic decision, you have the numbers to back you. Investor-ready models, scenario plans and governance that let you scale without second-guessing yourself.
The modern finance function
What transformation makes possible for a ₹10–200 crore business.
The tools that only large companies could afford ten years ago now cost less than one junior accountant. The constraint is no longer software. It is having someone who knows what a modern finance function looks like and can build it inside your business.
| Traditional finance function | Modern finance function |
|---|---|
| Books closed in 10–15 days, in spreadsheets, by heroic effort | Month-end in three days or fewer, on a close calendar, with automated bank reconciliation |
| Cash position known when the bank statement arrives | 13-week cash forecast refreshed weekly, with alerts before a shortfall |
| One annual budget, filed in October, forgotten by March | Rolling 12-month forecast and three scenarios, updated every month |
| Margins known only at company level, once a year | Contribution margin by product, customer and channel on a live dashboard |
| Approvals by WhatsApp, on the promoter's memory | Approval matrix and maker-checker controls inside the ERP, on mobile |
| Collections chased when cash gets tight | Automated reminders, credit limits and ageing reviews every week |
| Tally for compliance; everything else in Excel | Cloud ERP, bank feeds, e-invoicing and dashboards in one connected stack |
| Your CA tells you what happened last quarter | A CFO tells you what to do next week, with the data to back it |
How we help
A complete finance function, without the headcount.
We don't replace your CA or accountant. We orchestrate them and plug the gaps. From finance transformation and ERP advisory to fundraising and performance management, BizFractional covers the full strategic-finance remit.
Strategic finance leadership
Part-time CFO leadership for the decisions that shape your business: planning, capital allocation, board-style reviews and promoter advisory.
ExploreMIS & management reporting
Monthly MIS, KPI dashboards and review packs that turn raw data into management insight, with the top three to five actions for next month made obvious.
ExploreBudgeting & forecasting
Annual budgets broken into monthly targets, rolling forecasts and scenario planning, so leadership always has a forward view and a plan.
ExploreBusiness performance reviews
Structured monthly or quarterly reviews with leadership to track KPIs, risks and action plans at a boardroom standard.
ExploreCash flow & working capital
Forecast cash, tighten the cash-conversion cycle and release capital trapped in receivables, payables and inventory.
ExploreProfitability & margin improvement
Find exactly where you make money and where you quietly lose it: product, customer, project and channel profitability, pricing and cost structure.
ExploreOutcomes, not overhead
Measurable change across the finance function.
Typical outcomes from representative engagements across manufacturing, trading, services and funded startups. Every business is different; these are the ranges we aim for and usually hit.
₹2–4 Cr
cash typically released for a ₹30–50 Cr manufacturer by fixing working capital
100–250 bps
lower borrowing cost with investor-ready financials and a structured raise
< 3 days
month-end close after finance transformation and automation
15–25%
of working capital released in trading and distribution businesses
Beyond finance
The other functions a growing business outgrows.
The same fractional model, applied to people, contracts and cross-border setup. Delivered with partner specialists under one engagement.
Fractional HR, India
HR policies, payroll and statutory compliance, org design, hiring process and performance frameworks for businesses too small for an HR head.
Learn moreLegal & compliance reviews, India
Contract reviews, compliance health-checks and corporate secretarial hygiene, reviewed by partner advocates and company secretaries.
Learn moreUAE business setup & accounting
Mainland or free-zone formation, bank account support, VAT and corporate-tax registration, bookkeeping and reporting, led by a CFO who ran finance in Dubai.
UAE servicesEngagement models
Work with us the way your business needs.
Flexible engagements: scale up to raise or transform, dial down once systems are humming.
Retainer
Virtual CFO
Ongoing monthly CFO oversight: MIS, cash, planning, performance reviews and decision support. Typically two to four days a month.
Best for businesses above ₹10–15 Cr revenue that have outgrown ad hoc finance.
Project
Focused mandate
A defined assignment with a clear deliverable: ERP selection, fundraising, finance transformation, MIS redesign, working-capital clean-up or a pricing reset. Typically six to sixteen weeks.
Best when one problem is costing you more than everything else combined.
Advisory
Board & review
Monthly or quarterly performance reviews with leadership: KPIs, risks, budgets and action plans. Usually one day a month.
Works well alongside an existing finance team as a senior sounding board.
How it feels
A senior finance partner in the room, not a report in your inbox.
We sit beside you in the decisions that matter, translate the numbers into choices, and leave behind the habits that keep working after we step back.
- Fixed review cadence: weekly flash, monthly deep-dive, quarterly reforecast
- Direct access to the founder, no juniors between you and the advice
- Month-to-month or project-based, no long lock-in
Deep expertise
Five areas where we go beyond general CFO advisory.
Each focus area is a defined engagement with specific deliverables, industry benchmarks and a method we have used many times, not just advice.
Finance transformation
From spreadsheet chaos to real-time visibility: month-end in days, shareable MIS, and a finance function that earns the business's trust.
ERP & systems advisory
Vendor-neutral ERP selection, implementation oversight and post-go-live CFO support, so your technology investment actually delivers.
Performance management
Unit economics, margin by SKU, KPI scorecards and the review cadence to act on them, so every decision is backed by numbers.
Working capital & inventory
Unlock cash trapped in receivables, inventory and payables. Compress the cash-conversion cycle without a single new sale.
Budgeting & forecasting
Rolling forecasts, annual operating plans and scenario models that keep leadership ahead of the numbers.
Free cash-flow calculator
Enter three numbers and see how much cash may be locked in your working-capital cycle. Sixty seconds, no sign-up.
In their words
Trusted by the people who managed the work.
These are real, verifiable recommendations from senior leaders at Weatherford, Schlumberger and Equifax who worked directly with our founder.
Iraq delivered for the first time in 7 years a positive top line. Harish played an important part, and was very resourceful in protecting and cleaning our balance sheet. I like to think you will not take a big risk in hiring Harish.
I would work for, with or recruit him. He took the team from OK performers to top regional performers. Improved AR efficiency was a material metric.
Harish is not scared of asking the big WHY and always tries to find a lean approach to his work. Working outside his home region has shown how strong he is in international environments.
Who we serve
Promoter-led businesses across India's growth economy.
Typically ₹10–200 crore in revenue, with or without an in-house finance team, that have outgrown basic bookkeeping but cannot yet justify a full-time CFO.
- Manufacturing
- Trading & distribution
- Services & professional firms
- Exporters
- Project-based businesses
- Family-managed enterprises
- Funded startups
- Growth-stage SMEs & MSMEs
Insights
Strategic-finance thinking for ambitious businesses.
Practical, promoter-friendly perspectives on cash flow, margins, MIS, budgeting, controls and fundraising.
The modern finance function: what transformation makes possible
Eight shifts a ₹10–200 crore business can make with tools that now cost less than a junior accountant: what each costs, what it returns and the order to build them in.
8 MNC finance habits your SME should adopt
Eight practices from Shell, Schlumberger and Equifax, and how to close the gap without a Fortune 500 budget.
Why UK and US businesses are hiring India-based CFOs
Cost arbitrage, ICAI qualification rigour, IFRS fluency and timezone overlap: the case for an India-based CFO.
Common questions
Frequently asked questions
What does a fractional CFO actually do?
A fractional CFO gives your business senior finance leadership for a defined number of days a month. In practice that means a monthly MIS you can act on, a 13-week cash forecast, budgets and rolling forecasts, margin analysis by product or customer, controls and SOPs, lender and investor reporting, and a senior sounding board for decisions on pricing, hiring, capex and funding. Your accountant keeps you compliant. A fractional CFO helps you decide.
How is this different from my CA or accountant?
Your CA handles statutory compliance, audit and tax. A fractional CFO works above that layer: planning, cash, performance, systems and capital. We do not replace your CA or your accounts team. We orchestrate them, plug the gaps, and turn the numbers they produce into decisions.
What size of business is this for?
Typically promoter-led businesses with ₹10 to 200 crore of revenue, funded startups preparing for a round, and SME owners preparing for a sale, an SME IPO or succession. If you have outgrown bookkeeping but cannot yet justify a ₹40 to 80 lakh full-time CFO, you are in the right place.
How much does a fractional CFO cost in India?
A virtual CFO retainer of two to four days a month typically runs between ₹60,000 and ₹1,50,000 a month depending on scope and complexity. Focused projects such as an ERP selection, a fundraise or a working-capital clean-up are scoped separately. We publish our full view of market pricing in Virtual CFO cost in India.
How quickly can we start?
Within two weeks of the strategy call. The first month is a diagnostic: we map the finance function, the cash cycle and the reporting, and agree the two or three levers to pull first.
Next step
Start with a 30-minute strategy call.
A confidential conversation about your numbers, your growth plans and where CFO-level leadership would move the needle first. No cost, no obligation.