Cash Flow Advisory for
Growth-Stage Indian Businesses
Your business is growing. Your profits look healthy. But cash is always under pressure — and nobody has told you exactly why.
CA · DBA · EX-DELOITTE · EX-EY · 500+ BUSINESSES ADVISED
That's the problem cash flow advisory solves. Not compliance, not bookkeeping — a structured diagnosis of where your cash is trapped, why it isn't converting from profit, and how to rebuild the systems so it does.
Why Indian SMEs Have a Cash Flow Problem — Even When Business Is Good
Working Capital Trap
Cash Locked in the Business Debtors aren't paying on time. Inventory is overstocked. Payment cycles are misaligned. The cash that should be in your account is sitting somewhere in the operation.
Profit vs Cash Gap
Profitable on Paper, Stressed in Practice Your P&L looks fine. Your accountant says margins are healthy. But every month-end feels tight because accounting profit and actual cash are two very different things.
No Visibility, No System
Decisions Made Without Cash Clarity Expansion, hiring, capex — major decisions made without a forward view of cash position. The risk compounds with every crore added to the top line.
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How Cash Flow Advisory Works
Step 3 — System Design
Building the Right Financial Systems Cash flow projections, working capital policies, receivables management, and financial dashboards — tailored to your business, built to run without constant oversight.
Step 1 — Diagnosis
Cash Flow Audit A complete review of your working capital cycle — debtors, creditors, inventory, payment terms, and capital structure. We establish exactly where cash is being held or lost.
Step 2 — Root Cause Analysis
Identifying the Real Problem Most cash flow issues have one or two structural causes. We identify them — not the symptoms, the cause before recommending any intervention.
Step 4- Strategic Oversight
Ongoing Advisory & CFO-Level Guidance For businesses that need sustained support, Tanuj provides ongoing strategic financial oversight — functioning as a trusted advisor to the founder and board. This is where CFO-level thinking meets cash flow specificity.
Every engagement follows a structured process — no generic advice, no one-size-fits-all frameworks. The work is specific to your business, your cycle, and your growth stage.
Ready to start? Book a Consultation
What Cash Flow Advisory Covers?
Working Capital Optimisation
Restructure debtor, creditor, and inventory cycles to free up cash that's already in the business.
Cash Flow Projections & Forecasting
13-week and annual cash flow models built for your business — so you always know what's coming before it arrives.
Cash Flow Systems & Financial Controls
Policies, dashboards, and reporting systems that give the founder and leadership team real-time visibility into cash position.
Profitability–Cash Flow Alignment
Diagnose and close the gap between accounting profit and actual cash generation — the root of most SME cash stress.
Receivables & Collections Strategy
Reduce debtor days, improve collection processes, and eliminate the cash gap created by delayed payments.
Strategic CFO Advisory (Extended Engagements)
For businesses needing ongoing financial leadership — Tanuj acts as a strategic financial advisor to the founder, covering capital allocation, funding readiness, and board-level financial governance.
Results From the Field
Two examples from 500+ engagements — both in manufacturing, both with the same surface symptom and very different root causes.
12-Year
Old Business
The Situation: Steady sales, but profitability was unclear. Something wasn't adding up — and the business couldn't identify where.
What Was Done: Cash flow and inventory audit to identify the real source of profit leakage
— Real-time inventory tracking system designed and implemented
— Stacking, movement, and accountability controls introduced
The Outcome:
✓ Immediate profitability visibility — for the first time in 12 years
✓ Significant reduction in inventory theft and product damage
✓ Smarter, growth-focused financial decisions based on accurate data
Growth-Stage Business
The Situation: Strong customer demand. Good supplier relationships. But cash flow issues were stalling operations and making scaling impossible.
What Was Done: Full working capital assessment to map cash flow inefficiencies
— Receivables management and supply chain financing restructured
— Cash flow optimisation cycles aligned to production and reinvestment needs
The Outcome:
✓ Turnover: ₹4 Cr → ₹10 Cr in two years (₹16 Cr projected)
✓ Faster collections, more cash reinvested into production
✓ Business now structurally prepared for SME IPO
Cash Flow Advisory
Helping you understand and manage your cash flow with clarity and confidence.
150+
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Trusted
By many
Reviews
What our clients say about us
Thanks to the cash flow advisory, we finally understand our finances and plan ahead confidently.
Amy Lee
Austin TX
The personalized insights helped us avoid cash crunches and grow steadily over the past year.
Raj Patel
Denver CO
★★★★★
★★★★★
Contact Us
Reach out to discuss your cash flow needs.
Tanuj Keswani
Chartered Accountant, Doctor of Business Administration, and Registered Independent Director. Advising founders and boards across India.
© 2025 Tanuj Keswani. All rights reserved. · This site is for informational purposes only and does not constitute legal or financial advice.