Answer Hub
A growing library of short, direct answers to the finance questions Indian founders actually ask. Every answer is written by a named CFO and reviewed quarterly.
Showing 10 of 10 answers
Basics
TL;DRCloses your books, explains what the numbers mean, and gets you fundable — without an in-house CFO salary.
A Virtual CFO runs the finance function on a monthly retainer: books closed on time, one-page MIS, a 13-week cash flow, and a fund-raise pack banks and investors actually read.
Next step
Score your finance function 0–10 in two minutes.
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Pricing
TL;DREvery retainer is scoped by turnover, deliverable cadence, and industry — quotes are written, not sticker.
Foundation retainers cover MIS and monthly review; Growth adds fund-raise and fortnightly reviews; Scale adds a weekly cash war room and full fund-raise mandate. Anything materially below the floor is usually a bookkeeper positioning up.
Next step
See the three packages and where your turnover fits.
Related in Pricing
Basics
TL;DRSwitch when finance needs 40+ hours a week of leadership. Usually past ₹100 Cr revenue or a Series B.
Below ₹100 Cr, a Virtual CFO gives you the seniority without the full-time salary tail. Above that, or once you're closing Series B, hire in-house.
Next step
Score your finance function 0–10 in two minutes.
Related in Basics
Fund raise
TL;DRCredit Monitoring Arrangement format: six schedules, three years historic, two projected, in the layout banks want.
It's the working-capital application format Indian banks use to evaluate DSCR, current ratio, TOL/TNW, and projected fund flow. Get it right once and every subsequent renewal is faster.
Next step
See how we run fund raise as an ongoing state, not a fire drill.
Related in Fund raise
Fund raise
TL;DRMinimum 1.25x, comfortable at 1.5x, and stress-tested at 1.1x. Below 1.0 in any year kills the file.
Debt Service Coverage Ratio measures whether operating cash flow covers principal + interest. Banks want a cushion; a stressed-scenario DSCR under 1.0 means the file goes back for rework.
Next step
See how we run fund raise as an ongoing state, not a fire drill.
Related in Fund raise
RERA finance
TL;DR70% of collections stay locked. Withdrawals are ratio-based against construction certified by architect, engineer, and CA.
The Real Estate (Regulation and Development) Act mandates 70% of buyer collections into a project-specific escrow account. Withdrawals are permitted only in proportion to construction completed and certified by three professionals.
Next step
See how we run escrow discipline and Form 3 for developers.
Related in RERA finance
RERA finance
TL;DRThe CA's quarterly certificate of collections and withdrawals from the RERA escrow account.
Form 3 (or the state-equivalent form) is a chartered accountant's quarterly attestation submitted to the RERA authority, tying every collection and every withdrawal to construction certified by the architect and engineer.
Next step
See how we run escrow discipline and Form 3 for developers.
Related in RERA finance
Cash flow & MIS
TL;DRA rolling weekly forecast for the next 13 Fridays. The standard treasury tool for spotting payroll risk before it lands.
Weekly opening cash + receipts − payments = closing cash, projected 13 weeks out and refreshed every Monday. It's the single tool most founders wish they'd built two years earlier.
Next step
See how the monthly close and 13-week cash flow work.
Related in Cash flow & MIS
Cash flow & MIS
TL;DRWorking day 10 is the professional standard. Past working day 20 means the MIS is telling you last quarter's story.
A monthly close by WD10 means variance calls happen while the month is still in memory. WD20+ turns MIS into an autopsy.
Next step
See how the monthly close and 13-week cash flow work.
Related in Cash flow & MIS
Pricing
TL;DRGrowth-package territory — MIS, cash, and fund-raise readiness, not just monthly books.
At ₹10 Cr turnover you're past the point where a bookkeeper suffices. You need CMA-ready books, working-capital discipline, and someone in banker meetings — that's Growth-package scope.
Next step
See the three packages and where your turnover fits.
Related in Pricing
Next step
WhatsApp it to us. If it's a good one, we'll write it up and credit you (or keep you anonymous — your call).