Virtual CFO Services
Strategic financial leadership, board-level reporting, and CFO-level oversight — delivered on a flexible retainer that scales with your business.
Virtual CFO Services
The Chief Financial Officer is one of the most critical roles in any organisation — responsible for financial strategy, risk management, investor relations, and the integrity of financial reporting. Yet for most SMEs and growth-stage businesses, a full-time CFO costs ₹40–80 lakh per annum in total compensation.
The Virtual CFO model delivers CFO-level expertise, Big 4 experienced background, and 40 years of accumulated wisdom — on a flexible retainer at a fraction of the full-time cost. Our VCFO practice serves 50+ clients across Delhi NCR, led by Suresh Vij (Founder, 40+ years) and supported by Ankit Mahajan and Nikhil Jain for technical depth across financial reporting, compliance, and cross-border matters.
- Monthly MIS Reports & Financial Dashboards — delivered by 7th of month
- Annual Budgeting & Rolling Quarterly Forecasting
- Board & Investor Reporting — quarterly board packs
- Banking Relationship Management — credit renewals, CMA data
- Financial Modelling — 3-statement models, DCF, feasibility
- Working Capital Optimisation — cash conversion cycle analysis
- Cost Reduction Advisory — zero-based budgeting, margin analysis
- Compliance Oversight — tax, GST, ROC, FEMA co-ordination
Our Virtual CFO Services Services
Comprehensive services by Chartered Accountants, Company Secretaries and US CPAs with Big 4 experienced backgrounds.
Design and monthly preparation of management information — P&L, balance sheet, cash flow, working capital analysis, segment reporting, KPI dashboards — delivered by the 7th every month.
Annual operating budget preparation, quarterly forecast revisions, variance analysis, and rolling 12-month cash flow forecasting — the financial planning tools every well-run business needs.
Preparation of quarterly Board packs, investor update reports, and lender covenant compliance certificates — in the format that board members, PE investors, and banks actually want.
CMA data preparation, project reports, loan application support, credit renewal coordination, and ongoing management of banking relationships across multiple lenders.
3-statement integrated financial models, DCF valuations, project feasibility models, acquisition models, and scenario analysis — supporting strategic decisions with rigorous quantification.
Cash conversion cycle analysis, receivables management, inventory optimisation, vendor payment strategy, and short-term borrowing optimisation — unlocking trapped cash.
Zero-based budgeting reviews, overhead analysis, make-vs-buy assessments, vendor renegotiation support, and profitability analysis by product, geography, and customer segment.
Co-ordination and oversight of all regulatory compliance — income tax, GST, ROC, FEMA — ensuring the CEO is never surprised by a compliance failure or unexpected penalty.
Our Step-By-Step Process
Comprehensive review of the company's financial position, reporting quality, compliance status, and banking relationships — establishing the baseline and identifying the highest-priority areas.
Implementing or upgrading MIS systems, budgeting frameworks, and financial controls — building the infrastructure for professional, board-ready financial management.
Monthly retainer — MIS review, ad hoc query support, quarterly board reporting, annual budgeting, banking relationship management, and strategic financial advisory throughout the year.
Targeted support for high-value events — fundraising, bank credit renewals, acquisitions, restructuring — where CFO-level engagement significantly improves the outcome.
Our Key Differentiators
Our Virtual CFO clients describe the relationship as having a CFO on speed dial. We are available for calls, meetings, and time-sensitive decisions exactly when needed — not just at month-end.
We assign a specific partner as your Virtual CFO throughout. Continuity builds deep institutional knowledge of your business over time — making advice progressively more valuable.
Our partners bring the analytical ability and credibility that bankers and investors expect from a CFO. Banking relationships and investor confidence consistently improve after engagement begins.
FCA, B.Com (H). Founder of S.K. Vij & Associates, 1983. 40+ years advising businesses on financial strategy, tax planning, banking relationships, and governance. Serves as Virtual CFO for multiple family-owned and growth-stage businesses across Delhi NCR.
Frequently Asked Questions
A regular accountant handles compliance — returns are filed and taxes are paid. A Virtual CFO uses financial information to help you make better decisions, raise capital, manage risk, and grow profitability. The Virtual CFO is a strategic partner — present in board meetings, involved in key business decisions, and accountable for financial outcomes.
Monthly retainer-based, calibrated to the client's size and complexity. A typical engagement includes: monthly MIS review meeting, weekly availability for ad hoc queries, quarterly board pack preparation, annual budgeting support, banking relationship coordination, and compliance oversight. Significantly lower cost than a comparable full-time CFO hire.
The right time is when: (a) you are preparing for a fundraising round and need investor-ready financials; (b) your business has grown beyond what a single accountant can manage; (c) you experience cash flow surprises despite being profitable; or (d) your bankers, investors, or Board are asking for better quality financial reporting than you currently produce.
Yes — and this is one of the most valued aspects. We represent clients in bank credit committee presentations, lender annual reviews, and investor board meetings. Our partners bring the analytical rigour and professional credibility that these audiences expect from a CFO.
Yes — we assign a specific partner or senior manager as your Virtual CFO and maintain that assignment throughout the engagement. Continuity is fundamental to the relationship's value and the advice we provide.