Services

A complete CFO function, engaged the way your business needs.

From cash discipline and profitability to MIS, controls and fundraising, BizFractional delivers boardroom-quality finance leadership as a retainer, a focused project or an advisory engagement. Never as commodity accounting.

A fractional CFO between meetings
01 · Leadership, planning and reporting

Strategic leadership and decision support.

Retainer or advisory

01 · Strategic finance leadership

Part-time CFO leadership for the decisions that shape your business: planning, capital allocation, board-style reviews and promoter advisory.

Deliverables

  • Monthly leadership and strategy reviews
  • Capital-allocation roadmap
  • Board and promoter reporting pack
  • Decision support on major moves

Business outcomes

  • Faster, better-informed decisions
  • A single source of financial truth
  • Confidence to commit to growth
Setup project, then retainer

02 · MIS & 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.

Deliverables

  • Monthly MIS pack: what improved, what worsened and why
  • KPI dashboards: margin, EBITDA, DSO, inventory, ROCE
  • Department-level scorecards
  • Clear next-month action list

Business outcomes

  • Real-time visibility
  • Decisions on data, not gut
  • Accountability across teams
Annual plus ongoing

03 · Budgeting & forecasting

Annual budgets broken into monthly targets, rolling forecasts and scenario planning, so leadership always has a forward view and a plan.

Deliverables

  • Annual budget, phased by month
  • 6–12 month rolling forecast
  • Budget-versus-actual variance with actions
  • Scenario and sensitivity models

Business outcomes

  • Planning discipline
  • Early warning on misses
  • A credible plan for lenders and boards
Monthly or quarterly

04 · Business performance reviews

Structured monthly or quarterly reviews with leadership to track KPIs, risks and action plans at a boardroom standard.

Deliverables

  • Review calendar and agenda
  • Performance and risk pack
  • Action register with owners
  • Follow-through tracking

Business outcomes

  • Disciplined execution
  • Risks surfaced early
  • Leadership aligned on priorities
02 · Cash, profit and capital

Stronger cash, sharper margins, smarter capital.

Project plus ongoing

05 · Cash flow & working capital

Forecast cash, tighten the cash-conversion cycle and release capital trapped in receivables, payables and inventory.

Deliverables

  • 13-week rolling cash forecast
  • DSO, DPO and inventory-day targets
  • Receivables and collection discipline
  • Liquidity and repayment plan

Business outcomes

  • Cash you can count on
  • Less reliance on costly debt
  • Capital released back into the business
Project

06 · Profitability & margin improvement

Find exactly where you make money and where you quietly lose it: product, customer, project and channel profitability, pricing and cost structure.

Deliverables

  • Margin analysis by product, customer and region
  • Loss-making SKU and customer review
  • Pricing and discount policy
  • Cost and contract rationalisation

Business outcomes

  • Higher, more predictable margins
  • Confident, defensible pricing
  • Costs aligned to the value they create
Project plus ongoing

07 · Banking & lender management

Facility structuring, CMA support, covenant tracking and debt planning that lowers cost and strengthens lender confidence.

Deliverables

  • CMA data and banking submissions
  • Facility and limit optimisation: CC, OD, term loans
  • Covenant and repayment tracking
  • Lender relationship support

Business outcomes

  • Lower interest cost
  • Stronger lender confidence
  • Right-sized, well-managed debt
Project

08 · Fundraising & investor readiness

Financial models, projections, diligence support and investor-grade reporting that build confidence and command better terms, for debt or equity.

Deliverables

  • Financial model and projections
  • Investor or lender pack and data room
  • Ratio and stress testing: DSCR, interest cover
  • Due-diligence support

Business outcomes

  • Raise on better terms
  • Faster, smoother diligence
  • Investor and lender confidence
03 · Systems, controls and transformation

A finance function that scales without surprises.

Project

09 · Internal controls & governance

Financial SOPs, approval matrices, maker-checker controls and review mechanisms that cut leakage and let you scale safely.

Deliverables

  • Finance SOPs and policies
  • Approval and delegation matrix
  • Maker-checker controls
  • Leakage and risk review

Business outcomes

  • Fewer surprises and leakages
  • Audit-ready discipline
  • Governance that scales
Project

10 · ERP & finance process transformation

Finance process design, ERP reporting alignment, chart-of-accounts structuring and automation that removes manual effort and speeds up the close.

Deliverables

  • Process review: P2P, O2C, R2R
  • Chart-of-accounts redesign
  • ERP and dashboard reporting alignment
  • Automation business case

Business outcomes

  • Faster closes and cleaner data
  • Less manual effort
  • Reporting that scales with growth
How we engage

Three ways to bring a CFO on board.

11 · Retainer

Virtual CFO retainer

Ongoing monthly CFO oversight for businesses that need a steady senior hand on the numbers: reviews, MIS, cash, planning and decision support, billed as a predictable monthly engagement.

Two to four days a month. Businesses above ₹10–15 Cr revenue.

12 · Project

Project-based CFO advisory

A focused mandate with a defined outcome: fundraising, working-capital clean-up, pricing reset, MIS redesign, turnaround or transformation. Scoped, delivered and handed over.

Six to sixteen weeks. Fixed scope and fee.

Advisory

Board and review

Monthly or quarterly performance reviews with leadership: KPIs, risks, budgets and action plans, alongside your existing finance team.

Usually one day a month.

Common questions

Frequently asked questions

Do you replace my CA or accounts team?

No. Your CA keeps statutory compliance, audit and tax. Your accounts team keeps the books. We work above that layer: planning, cash, performance, systems and capital. We orchestrate the people you already have and plug the gaps.

What does a typical month look like on a retainer?

Two to four days of senior time. A monthly MIS pack and review meeting, a 13-week cash forecast refreshed weekly by your team with our oversight, budget-versus-actual variance with actions, and availability for lender, investor and major decisions in between. Everything is documented so the discipline survives when we step back.

Can we start with a project and move to a retainer?

Most clients do. A focused mandate such as a working-capital clean-up, an ERP selection or a fundraise shows what CFO-level thinking does for the business. A retainer then keeps the systems honest.

Do you work on-site or remotely?

Both. For Mumbai, Thane and Navi Mumbai clients we attend key meetings in person. For the rest of India, and for UK and US clients, engagements run remotely with a fixed review cadence.

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.