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The problem

Virtual CFO Services — Cash Flow & Financial Reporting

Making decisions
without the numbers.

Your accountant files your taxes. Your bookkeeper posts transactions. But nobody is translating those numbers into forward-looking decisions. You find out about cash problems when they arrive, not before.

✕
Cash crunch appears with no warning — a payroll you cannot make
✕
Revenue growing but profits shrinking — you do not know why
✕
Investor asks for P&L and it takes two weeks to produce
✕
No unit economics — you do not know cost per customer
✕
Burn rate calculated on a napkin, never formally tracked
CFO layer
90-day rolling cash forecast updated monthly. You see the cash gap 60 days before it arrives — and have time to act.
CFO layer
Budget vs actual report with variance flags. When revenue drops or costs spike, you know in the first week of the following month.
CFO layer
Investor-ready financials formatted for a board deck — always ready within 3 days of month end.
CFO layer
Unit economics — CAC, LTV, gross margin by segment. You know which part of the business is actually profitable.
CFO layer
Burn rate formally tracked, runway modelled for multiple scenarios. You go into every fundraise knowing your numbers cold.
Why a virtual CFO

The case for CFO-level oversight,
without a CFO-level hire.

A full-time CFO makes sense once a business is large and complex enough to need one every single day. Most growing businesses are not there yet — but they need the same judgement, on a schedule that matches what they can actually justify.

COST
A fraction of a full-time CFO's cost
A full-time CFO hire carries a senior salary, benefits and equity year-round, whether the business needs daily strategic input or not. A virtual CFO engagement is scoped to the hours the business actually needs, which for most growing companies is nowhere close to a full-time role.
SCALABILITY
Scales up and down with what is actually happening
Engagement intensity increases around a fundraise, an audit, or a major decision, and steps back down to routine monthly reporting the rest of the time — a flexibility a full-time hire structurally cannot offer.
EXPERTISE
CA-qualified, not a bookkeeper with a CFO title
The person reviewing your numbers and advising on decisions is a qualified Chartered Accountant, with the technical grounding to catch what a generalist finance hire would miss.
INTEGRATION
Connected to the back office, not sitting outside it
The same team with visibility into your bookkeeping and reconciliation produces the CFO reporting on top of it, rather than a CFO working from numbers handed over by a separate, disconnected back office.
VISIBILITY
Analytical reports built from your actual numbers
Dashboards and reports built from your live accounting data, not industry benchmarks or a template — cash flow, unit economics, and margin by segment, updated on a schedule you can rely on.
EARLY WARNING
Flagged before it becomes a crisis, not after
A margin quietly eroding, a customer concentration risk building, a cash gap two months out — the value of ongoing CFO oversight is catching these while there is still time to act, not explaining them after the fact.
ALSO COVERED
Complex, occasional work that does not justify a permanent specialist hire — fundraising financial models, due diligence preparation, or structuring advice for a new entity — handled as it comes up, by a team that already knows your numbers.
Monthly deliverables

CFO deliverables — every month.

01
90-day cash flow forecast
Built from your actual receivables, upcoming bills, payroll and loan repayments. Updated monthly. Multiple scenarios modelled.
02
Budget vs actual variance report
Every revenue line and cost centre compared to budget. Variances flagged with explanation — not just numbers, but what drove them.
03
Monthly P&L, balance sheet, cash flow
Formatted for board or investor review. Consistent month-on-month so trends are visible at a glance.
04
Receivables ageing report
Every outstanding invoice by age — current, 30, 60, 90+ days. Customers who need chasing are flagged automatically.
05
Unit economics dashboard
CAC, LTV, payback period, gross margin by segment. Built from your actual data — not industry benchmarks.
06
Burn rate and runway model
For startups and growth-stage businesses. Burn tracked weekly, runway modelled at current, conservative and optimistic scenarios.
How it works

Setup to first report
in under three weeks.

Step 01
Financial audit
We review your current books, chart of accounts and existing reports. Identify gaps between what is recorded and what is needed.
Step 02
Model build
We build your cash flow model, KPI dashboard and reporting templates in Zoho Analytics or your preferred tool.
Step 03
First report
Full CFO pack for month one. We walk you through it and calibrate for what you actually need going forward.
Step 04
Monthly cadence
Report delivered every month within 3 days of month end. Quarterly call to review trends and upcoming decisions.
Related services

Better CFO starts with better books.

🏠
Your Finance Team
Managed bookkeeping, GST, payroll and TDS — the foundation CFO reports are built on.
Explore → 📊
Zoho Analytics
Live dashboards in Zoho Analytics that update automatically from your Books and CRM data.
Explore → 🚀
USA Startup Accounting
Investor-grade financials for US-incorporated companies with cross-border operations.
Explore →
Get in touch

Tell us your
situation.

One conversation is usually enough to understand your setup and tell you honestly what we can fix, how long it takes, and what it costs. No obligation.

Phone & WhatsApp +91 94045 42550
Email piyush@khetanca.com
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Frequently Asked Questions

What is multi-entity accounting?+
Multi-entity accounting is managing books for two or more separate legal entities — for example, a Delaware C-Corp and an India subsidiary. Each entity has its own accounts, its own tax obligations, and intercompany transactions between them. Consolidated reporting requires eliminating intercompany balances and converting currencies. Khetanca manages multi-entity accounting across USA, India, UAE and UK entities.
What is deferred revenue and how is it tracked?+
Deferred revenue is cash received for services not yet delivered. A common example: a SaaS company receives $24,000 for an annual subscription. On receipt, $24,000 enters deferred revenue as a liability. Each month, $2,000 is recognised as revenue. Tracking this requires a deferred revenue schedule maintained monthly and reconciled to the balance sheet — not just journal entries at year end.