Most SMEs build an annual budget in October, file it away and discover in March that the world changed. We build dynamic planning systems: annual budgets grounded in operations, rolling 12-month forecasts that update with the business, and cash-flow projections that give you a 90-day early-warning system.
The most common finance failure in Indian SMEs isn't bad accounting. It's the absence of forward visibility. Decisions on hiring, capex, inventory and credit are made without any model of what the next three to six months look like. Cash surprises arrive without warning.
A good forecasting process doesn't require sophisticated software. It requires rigour, discipline and someone who understands both the numbers and the business model.
A bottom-up budget built with your operations team: revenue by product and channel, cost by department, headcount plan, capex schedule and an integrated monthly P&L, balance sheet and cash flow. Realistic, owned by the team, aligned to strategy.
Updated every month: actuals replace the oldest month, a new month is added at the horizon. Driver-based, with base, upside and stress scenarios and written variance commentary.
A weekly view of cash in and cash out for the next thirteen weeks, built from actual orders, invoices, payment terms and known commitments. Minimum-balance alerts. Handed over to your team to run.
Concrete deliverables, not a slide deck.
Anonymised, with outcomes shown as typical ranges across comparable work.
The situation. A family-held group ran cash surpluses in some entities while paying high interest in others, with new projects to fund.
What we did.
Typical outcome. Idle cash reduced by a third or more, and new borrowing secured 100–250 basis points cheaper.
The situation. The board could not say what a customer cost to acquire or how long runway really was.
What we did.
Typical outcome. Runway extended materially and the next round raised on a data-backed valuation.
The situation. A founder needed to raise but the financials, projections and narrative would not survive diligence.
What we did.
Typical outcome. Round closed on favourable terms, with diligence completed faster than the founders expected.
Above about ₹5 crore of revenue the cost of a cash surprise exceeds the cost of a forecast. A 13-week cash model for a small business is a one-page spreadsheet refreshed weekly. It is the habit that matters, not the size.
Your accounts team. We build the model, run the first cycles with them, document the refresh process and hand it over. On a retainer we review it monthly.
Directionally right and refreshed often beats precisely wrong once a year. The goal is to see the problem eight weeks out, not to predict the last rupee.
Book a strategy call and we will scope the budget, rolling forecast and 13-week cash model your business needs.