Better Numbers. Better Decisions.

A growing business may not require a full-time finance leadership team, but it still needs financial discipline.

A Virtual CFO service provides part-time finance leadership for SMEs, family businesses, startups and growing companies in Pune and PCMC that have accounts in place but need clearer financial direction. It addresses a common gap: the business records its transactions, yet management lacks cash-flow visibility, budgets, margin analysis and financial controls.

TaxPro's Virtual CFO framework helps management convert accounting data into information that can be used for decisions, with the finance, tax and compliance professionals working from the same numbers.

Discuss CFO Support

When Is This Required?

Virtual CFO support is usually considered when:

  • The business is profitable on paper but cash is tight.
  • Promoters make decisions on gut feel because reports arrive late or not at all.
  • The business is preparing for a bank loan, working capital limit or investor discussion.
  • Receivables are slowing down, inventory is rising or borrowing is increasing.
  • Growth, a new plant, a new product or a new branch needs financial planning.
  • A full-time finance head is not yet justified, but the founders are spending too much time on finance.

A Virtual CFO needs reliable books to be useful, so accounting quality is usually reviewed first.

What We Help With

  • Cash Flow
  • Working Capital
  • Budgets
  • Forecasts
  • Monthly MIS
  • Profitability
  • Receivables
  • Borrowings
  • Business Planning
  • Management Reviews
  • Financial Controls

Where the requirement involves bank finance, we can coordinate CMA data and financial projections for lenders, which are part of related services in preparation.

Documents / Information Required

To begin we generally need:

  • Last few years of financial statements and the current trial balance.
  • Monthly management accounts, if any, and details of the accounting software used.
  • Bank statements, loan sanction letters and repayment schedules.
  • Receivable and payable lists with ageing, and inventory details where relevant.
  • Existing budgets, business plans or forecasts, if they exist.
  • GST, TDS and income tax filings for the relevant period.
  • A list of the decisions management is currently trying to take.

Your professional may ask for more or less depending on the facts.

Our Process

  1. Understand. We review the business model, key numbers and the decisions that depend on them.
  2. Map. We identify the reports, controls and metrics management actually needs, and the gaps in the current set-up.
  3. Coordinate. Accounting, tax and compliance work is aligned with the reporting framework so numbers agree across functions.
  4. Execute. Monthly MIS, cash-flow and working-capital reviews are prepared and discussed with management.
  5. Review. Variances against budget and forecast are examined, and control points are tightened where needed.
  6. Stay Ahead. Recurring review meetings keep planning ahead of the numbers.

Common Issues We See

  • Profit without cash. Growth is funded by receivables and inventory, and the owner does not see the cash cycle until payments stretch.
  • Reports that arrive too late. MIS is produced weeks after month end, so it describes history rather than helping decisions.
  • No budget or forecast. Spending and borrowing happen without a reference point to measure variances.
  • Debtor ageing ignored. Old receivables are not chased systematically, and write-offs surface at year end.
  • Borrowing without planning. Loans and limits are taken reactively, with repayment pressure not mapped against cash flow.
  • Weak controls. Approvals, payment authority and cost tracking depend on one person.

Frequently Asked Questions

What does a Virtual CFO do?

A Virtual CFO provides part-time finance leadership: reviewing cash flow, budgets, MIS, working capital and controls, and discussing results with management. It is not a replacement for statutory audit or for day-to-day accounting.

Who is it suitable for?

It is typically suited to SMEs and growing businesses that need financial direction but do not require a full-time CFO. We confirm fit after reviewing your books and needs.

Do you need clean books first?

Reliable data is essential. If books are behind, we may recommend accounting and bookkeeping support first or alongside the CFO work.

How often will we meet?

The cadence is agreed to suit your business, commonly a regular monthly review supported by reports in between.

Can this help with bank finance?

Yes, financial reporting and projections are often required for lenders. We coordinate the finance information, though sanction decisions rest with the bank.

Is it priced as a package?

We do not publish packages. Scope depends on the size and complexity of the business, and is discussed after we understand your requirement.

Discuss Your Requirement

Tell us which financial decisions you are trying to make. We will help identify the reporting and controls behind them.

Discuss Your Requirement