Only for ₹5 Cr – ₹100 Cr turnover businesses — profit on paper, but cashflow still tight?
You Built a Business to Earn Profits.
But You're Still Facing Cashflow Challenges.
In 45 minutes we discuss your financial challenges and find out the exact cashflow blockages
inside your business, and show you the Virtual CFO systems that fix them.
Watch this before booking your call
Book a Financial Discovery Call with Santosh Kaware₹999 ₹49 · Only 12 slots a month
Note: Kindly apply only if your annual turnover is ₹5 Cr – ₹100 Cr.
Qualification
Who this 1-to-1 call is for
Only 12 calls open each month, each blocked for 45 minutes of Santosh's own calendar. If you fit the left column, this call is for you.
THIS IS FOR YOU IF
- ✓You do ₹5 crore to ₹100 crore in annual turnover
- ✓You don't have financial clarity in your business
- ✓Profit shows in your books, but there is never enough cash for day-to-day operations
- ✓You want full cashflow control and a budgeting system before you scale further
- ✓You have an accounts team, but receivables, payables and multiple loans are still a mess
- ✓You are the final decision-maker and can act on what you learn
THIS IS NOT FOR YOU IF
- ✕You are looking for bookkeeping, GST filing or compliance help
- ✕Your business is under ₹5 crore turnover today
- ✕You want quick hacks or surface-level advice
- ✕You are not the final decision-maker on money
- ✕You only want validation for a decision already taken
- ✕You are shopping for the cheapest option available
Run a factory, a manufacturing unit, a trading and distribution business, an import–export company or a services firm? If you are doing ₹5 Cr to ₹100 Cr and you don't have the financial reporting system needed for the next level of decision making, this one call can increase your profit instantly.
The real problem
What are the actual cashflow blockages in your business?
You have grown the sales. You have built the team. So why is money always short at the end of the month? Here is what quietly blocks your cash.
01
Your books show profit, but your bank account does not.
On paper the year looks good. In real life the balance is tight every single month, and nobody in the business can tell you where that profit actually went.
02
Returns get filed. But there is no financial reporting system.
GST and income tax are handled on time. Still, no report tells you your real cash position, your true margin, or what you can safely spend next month.
03
Your customers do not pay you on time.
Thirty days become sixty. Sixty become ninety. Your money sits in someone else's business while you fund your own operations from your own pocket.
04
Financial decisions are not taken on actual numbers.
Hiring, machinery, new branches, bigger orders — all decided on experience and gut feel, because the correct number is never in front of you at the right time.
05
Your loans and OD limit increase year after year.
Turnover goes up, and so does the borrowing. The overdraft that was meant to be temporary has quietly become how the business runs every month.
06
Nobody in the organisation speaks in numbers.
Your sales team reports orders. Your accountant reports tax. Nobody sits in between and tells you what all of it means for your cash over the next 90 days.
None of this is a sales problem. It is a cashflow and financial visibility problem — and every month it stays hidden, it takes a bigger bite out of your profit.
What actually happens
What happens inside your 45-minute discovery call
A live working session on your own numbers, one-to-one with Santosh.
We map where every rupee actually goes
We trace the path your cash takes through the business and mark the exact points where it stops moving — stock, credit terms, unbilled work and silent overheads.
We point out your biggest financial problems
Out of everything happening in your business, two or three things are costing you the most money. We name them clearly and put a number against each one.
We give you the 90-day CFO process
A simple, step-by-step process for the next 90 days — what to fix first, who owns it in your team, and what should change in your bank balance by when.
We show you how decisions are taken on budgets
How to build a budgeting and financial planning system so that every spending decision is taken on actual numbers instead of feeling and memory.
We tell you which financial processes to implement
The exact reporting, collection and review processes your size of business needs — and the order to put them in place without disturbing daily operations.
We show you the process successful businesses follow
The financial discipline that ₹50 Cr and ₹100 Cr businesses run on — and where your business currently stands against it.
You will leave this call knowing exactly where your cash is blocked, what it is costing you, and the first move to make this week.
Who you'll speak to
Know About Santosh Kaware
Virtual CFO, Business Finance Trainer and Independent Director
22+
Years in corporate finance
150+
Businesses guided
IICA
Qualified Independent Director
IBR
India Book of Records, 2021
Founder — A Growth CFO
22 years inside the numbers of Indian businesses
Virtual CFO · Business Finance Trainer · Independent Director (IICA, MCA) · Pune
Santosh has spent 22+ years in corporate finance, financial governance, risk management and strategic advisory across manufacturing, pharmaceuticals, IT/ITES, telecom, hospitality and import–export businesses. Since 2020 he has worked as a Virtual CFO to MSMEs and growth-stage companies through his firm, A Growth CFO.
He has sat on both sides of the table — building cashflow governance frameworks and board-level MIS dashboards for founders, and handling financial due diligence in two completed M&A transactions: Evolve Technologies → TeamLease Services (2017) and SolutionEyes → IDIADA (2009).
- ›Qualified Independent Director — Indian Institute of Corporate Affairs, Ministry of Corporate Affairs (ID Databank No. IDDB-NR-202410-054036)
- ›Awarded by India Book of Records (2021) for large-scale online finance training delivered to accounting professionals during COVID-19
- ›Start-up India MAARG Mentor since 2023, mentoring founders on finance, compliance and governance
- ›Trainer on Business Cashflow Blueprint, Working Capital & Payment Collection Systems, and Finance for Non-Finance Founders
- ›MBA (Finance) · M.Com, Pune University · Diploma in Taxation Law
WHAT HE KEPT SEEING IN EVERY BUSINESS
Profitable companies with tight bank balances. Accounts teams that could file returns but not answer a single forward-looking question. Founders taking crore-level decisions on gut feel because the right number was never in front of them.
The businesses that broke out of it all did the same thing: they installed a cashflow and reporting system, and put one owner behind every number. That is what this call is designed to show you inside your own business.
As seen on
Invited on India's leading business podcasts
Talking cashflow, working capital and financial systems for founder-led businesses
Worked across manufacturing · pharmaceuticals · IT & ITES · telecom · hospitality · import–export · trading and distribution · professional services
We only work with serious business owners who want to build real financial systems
This is for owners who are serious about putting proper financial systems and processes inside their business — not for those looking for a quick fix. Every engagement after this call needs direct, personal involvement from Santosh and his senior team.
So only 12 founders are taken each month, and we are deliberately selective. Which is why the call stays honest and diagnostic — you will know the truth about your cashflow either way.
Request your slot
In this 45-minute call, we will:
- ✓Map where every rupee in your business goes — and exactly where it gets blocked
- ✓Point out the biggest financial problems eating your profit and cash
- ✓Hand you the 90-day CFO process to fix them, in the right order
- ✓Show you how budgeting and financial decisions should actually be taken
- ✓Tell you which financial processes your business needs to implement first
Even if we never work together after this, you will walk away knowing your biggest cashflow blockage and the first move to fix it.
Book a Financial Discovery Call with Santosh Kaware₹999 ₹49 · Only 12 slots a month
Note: Kindly apply only if your annual turnover is ₹5 Cr – ₹100 Cr.
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