A CFO in your corner. Without the full-time cost.
Senior CA-led financial leadership embedded in your team — covering planning, cash flow, investor reporting and fund-raise readiness, backed by our in-house audit, tax, legal and secretarial bench.
Most growing businesses reach a stage where a bookkeeper isn't enough but a full-time CFO is not yet justified. The Virtual CFO model fills that gap — you get a senior Chartered Accountant who thinks like a CFO, is available on a retainer basis, and brings the full Thinkbiz bench when needed.
Our Virtual CFOs have worked with seed-to-Series-C startups, profitable SMEs preparing for expansion, and family businesses needing structured financial reporting for the first time.
What’s included
Full scope of the Virtual CFO practice.
Financial Planning & Control
- Annual budgeting, quarterly reforecast and variance analysis
- Rolling 13-week cash flow model and daily monitoring
- Working capital optimisation
- Cost structure review and margin improvement
- Tax planning co-ordinated with direct and indirect tax teams
MIS & Management Reporting
- Monthly management accounts (P&L, Balance Sheet, Cash Flow)
- KPI dashboards and business unit reporting
- Board-pack preparation (monthly/quarterly)
- Statutory vs. management accounts reconciliation
Fund-raise & Investor Relations
- Financial model building for investor discussions
- Investor update memos and reporting templates
- Data room preparation for due diligence
- Term sheet financial review (pre-lawyer involvement)
- Post-investment financial compliance setup
Process & Systems
- Accounting system implementation (Tally, Zoho, QuickBooks)
- Internal controls and process documentation
- Accounts payable and receivable management
- Payroll set-up and monthly processing
Who engages this service
Built for your situation.
- Seed-to-Series-B startups that have outgrown their accountant
- Profitable SMEs that need monthly reporting and cash-flow discipline
- Family businesses formalising financial management before succession or sale
- Foreign subsidiaries in India needing a local finance head
- Companies preparing for an audit, fund-raise or acquisition
How we work
Our process.
- 1
Finance health check
First 2 weeks: review of books, processes, reporting and key risks.
- 2
Quick wins
Immediate fixes: overdue entries, missing reconciliations, overdue filings co-ordinated with our CS team.
- 3
Reporting setup
MIS template, cash flow model and board-pack format agreed and put in place for the first month-end.
- 4
Ongoing rhythm
Monthly close, management accounts, board-pack and regular calls with founders/management.
- 5
Strategic initiatives
Fund-raise, audit prep, systems upgrade, M&A — activated on demand from within the retainer.
Frequently asked
Questions about Virtual CFO.
A bookkeeper records transactions. An accountant ensures books are correct. A CFO asks whether you are building the right financial structure to achieve the company's goals. Our Virtual CFO does all three.
Typically 15–40 hours/month. We agree a scope and retainer upfront with defined deliverables so you always know what you are paying for.
Yes. Several of our Virtual CFO clients have us present directly to their board or investor update calls.
You may also need
Related practice areas.
Audit & Assurances
Risk-based audits that strengthen governance and investor confidence.
Business Set-up
Domestic and overseas entity setup, green field investments and sector licences.
Transaction Advisory
End-to-end advisory for M&A, JVs, strategic partnerships and IPOs.
Ready to engage on Virtual CFO?
Book a free 30-minute scoping call — a senior partner will walk through your requirements and outline the exact scope and fee.