Cash flow visibility starts with the right reporting structure.
Cash Flow
Cash Flow Planning and Working Capital Management
Profitable businesses still fail when cash runs out. We build a 13-week rolling cash forecast, optimise working capital and bank limits, and put a disciplined collections and payables cadence in place — so the business never gets caught short.
What's Included
13-week rolling cash flow forecast — best / base / stress
Working capital diagnostic — debtor, creditor, inventory days
Cash Conversion Cycle (CCC) computation and benchmarking
Bank limit (CC / OD) utilisation and MPBF analysis
Debtor ageing, credit policy and collections framework
Creditor terms review and early-payment discount evaluation
Scenario planning for hiring, capex and growth decisions
Our Process
STEP 1
Diagnostic
Map current cash inflows, outflows, ageing and bank limits.
Week 1
STEP 2
Forecast Build
Construct 13-week rolling cash forecast with assumptions.
Week 2
STEP 3
Optimisation
Identify levers — credit terms, payables, bank limits, inventory.
Week 2–3
STEP 4
Operating Cadence
Weekly cash call with finance + founder; update forecast.
Ongoing
STEP 5
Refinance / Limits
Negotiate enhanced bank limits or invoice discounting if needed.
As required
Documents Required
- Last 12 months bank statements (all accounts)
- Debtor and creditor ageing reports
- Inventory ledger and ageing (if applicable)
- Sanction letters for CC / OD / term loans
- Hire-purchase, lease and EMI schedules
- Annual operating plan and capex pipeline
- GST returns and TDS challans (last 12 months)
Key Statutory References
| Item | Reference |
|---|---|
| Banking Framework | RBI Tandon Committee II — MPBF |
| Statement of Cash Flows | Ind AS 7 / AS 3 |
| MSME Payments | MSMED Act — 45-day payment rule, Sec. 15 |
Frequently Asked Questions
Related Services
Guides & Resources
Virtual CFOs build cash flow models that banks and investors trust.
Cash flow projections are central to DCF-based startup valuations.
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