Virtual CFO & Business Advisory
A Virtual CFO for your growing business
Not every business needs a full-time CFO — but every growing one needs CFO-level thinking. We give you senior financial leadership on a flexible, part-time basis: live MIS dashboards, cash-flow forecasting, budgeting and confident, numbers-led decisions — typically at a fraction of a full-time hire.
Location is never a barrier — we work with founders across India and NRIs running businesses back home.
When it’s time
Signs your business has outgrown just keeping the books
Most growing businesses don’t fail for lack of effort — they stall for lack of clarity. If any of these feel familiar, CFO-level thinking will pay for itself.
Decisions ride on gut, not numbers
Big calls — pricing, hiring, expansion — get made without timely, reliable figures to back them.
Cash surprises you
Money feels tight without warning. You can't see, weeks ahead, what's actually coming in and going out.
No one owns the finance function
Compliance gets done, but nobody is steering margins, cash and strategy — the things that decide whether growth pays off.
Growth has outpaced your systems
More revenue, more complexity — and the spreadsheets that once worked can no longer keep up.
You're raising funds or talking to banks
And you need projections, a DPR and a financial story that stand up to a lender's or investor's scrutiny.
A full-time CFO isn't justified yet
The need is real, but a senior, full-time hire isn't affordable — or isn't a full week's worth of work.
What you get
What your Virtual CFO does for you
Senior financial leadership, shaped to your business — take all of it, or just the parts you need right now.
Live MIS dashboards
Your numbers, current and on your phone — sales, costs, margins and cash, the moment you want them.
Cash-flow forecasting
See what's coming weeks ahead, so cash becomes a plan you control rather than a monthly scramble.
Budgeting & KPIs
Targets that actually mean something, tracked against the real figures every month.
Fundraising & banking support
Projections, DPRs and the financial narrative that help win a bank sanction or an investment round.
Controls, SOPs & processes
The systems and discipline that keep a scaling business clean, accountable and audit-ready.
Cost & margin optimisation
Find the quiet leaks and protect the margin that fast growth so often erodes.
Management & board reporting
Clear, credible reporting your partners, board and investors can trust and act on.
Outsourced accounting & payroll
The whole finance back-office handled, if you'd rather have it off your plate entirely.
The difference you’ll feel first
Your numbers, live on your phone
No more waiting weeks for a figure, or trusting a stale spreadsheet. Open your dashboard and see exactly where the business stands — sales, costs, margins and cash — today, not last quarter. That clarity is what turns anxious guesses into confident decisions.
Who we do this for
Built for businesses in their growing years
How it works
Simple to start, easy to live with
A first conversation
We get to know your business, your numbers and where you want to take it — and tell you honestly whether a Virtual CFO is the right call yet. No charge, no pressure.
We set up your finance engine
Live dashboards, a clear reporting cadence, the controls that matter and the handful of KPIs that actually move your business.
We run it with you, every month
Current numbers, a monthly review you can rely on, and a CFO on call for the decisions that count — scaling up or down as your needs change.
Why Agarwal M & Co.
A CFO’s clarity, a Chartered Accountant’s rigour
Senior, CA-led judgement
Not a junior analyst — Chartered Accountants who have sat across the table from banks, boards and tax authorities.
Everything under one roof
Audit, tax, compliance and advisory in one team, so your CFO function and your statutory work always pull the same way.
Built on real systems
Tech-enabled MIS and clean, repeatable processes — live numbers, not a spreadsheet emailed around once a month.
Flexible and honest
You pay for the seniority you need, when you need it — and we'll tell you plainly if you don't need us yet.
Questions
Frequently asked
What does a Virtual CFO actually do?
A Virtual CFO gives you the financial leadership a full-time CFO would — without the full-time cost. In practice that means live MIS dashboards, cash-flow forecasting, budgeting and KPIs, controls and SOPs, fundraising and banking support, and being a sounding board for the big decisions — all on a flexible, part-time basis tailored to your business.
How do I know if my business needs one?
If decisions are being made without reliable numbers, cash flow surprises you, no one is really steering margins and strategy, or you're preparing to raise funds or approach a bank — those are the usual signs. The simplest way to find out is a short conversation; we'll tell you honestly whether it's the right step for you yet.
How is this different from my accountant or auditor?
Accounting and audit look back and keep you compliant — essential, but historical. A Virtual CFO looks forward: turning those numbers into decisions, forecasts, controls and strategy. Because we do both under one roof, your compliance and your CFO function stay perfectly in step.
What does it cost?
Far less than a full-time CFO — you pay for the seniority and the scope you actually need, and it scales up or down as your business does. We'll shape an engagement to fit you and be clear about the cost before you commit. The first conversation is free.
Can you work with us if we're not in your city — or outside India?
Yes. The work is digital and the dashboards are on your phone, so location is never a barrier — we support founders across India and NRIs running businesses back home. And when something genuinely needs a presence on the ground, our team travels.
How do we get started?
Book a consultation or message us on WhatsApp. We'll have a first conversation about your business and your numbers, and map out exactly what a Virtual CFO engagement would look like for you.
Let’s talk
A confident next step is one conversation away
Tell us what you’re working on and we’ll help you see the clearest path forward — no pressure, just clarity.
Prefer email? [email protected]