13-week forecast
Weekly view of receipts and payments.
All virtual cfo services
Virtual CFO
Cash Flow Management
FinAura builds and runs a rolling cash forecast for your business: weekly for the next thirteen weeks and monthly beyond, built from your real receivables, payables, payroll and commitments. You see the low points before they arrive, what each hiring or spending decision does to the balance, and what to do about it.
- Chartered Accountant-led
- Bangalore and across India
- Reply within one business day
What is covered
What Cash Flow Management Covers
Every rupee in and out, before it happens.
Runway
How long the cash lasts at current burn.
Collections plan
Expected receipts by customer, chased early.
Payment plan
Vendor, tax and payroll outflows scheduled.
Working capital
Debtor, creditor and stock days tracked.
Decision checks
Hires and spends tested against cash.
How the month runs
How It Works
Build once, update every week.
Step 1
Build
- Opening cash
- Receivables and payables
- Fixed commitments
Step 2
Update
- Actuals in
- Forecast rolled
- Variances explained
Step 3
Act
- Collections pushed
- Payments timed
- Funding lined up
Step 4
Review
- Monthly with founders
- Runway
- Decisions tested
Your part
What We Need From You
- 01Bank balances and access to the books
- 02Customer and vendor terms
- 03Upcoming commitments: hires, capex, loans
- 04Sales pipeline, if relevant
Our part
What You Get
- A forecast you can trust week to week
- Runway in months, kept current
- Warning of low points in advance
- A plan for each gap
A common question
Why do profitable companies run out of cash?
Profit is recorded when you invoice; cash arrives when the customer pays. Growing companies fund their customers' credit, stock and new hires before the money comes in.
A rolling forecast shows the gap weeks ahead, when there is still time to collect faster, delay a spend or arrange a limit.
See accounts receivableActionGaps closed early
Forecast13 weeks, rolling
ActualsBank and books
Who it is for
Who It Is For
Funded startups
Watching runway.
Fast-growing SMEs
Growth eating cash.
Seasonal businesses
Peaks and troughs to plan for.
Businesses with lenders
Limits and covenants to respect.
The rules, in plain English
What the Law Asks of Your Books
Companies Act, 2013
Section 128
Every company keeps books of account that give a true and fair view of its affairs, at its registered office or another place the Board decides, and preserves them for at least the eight financial years before the current one.
Official source: mca.gov.inCompanies (Accounts) Rules, 2014
Rule 3
Books kept electronically must stay accessible in India at all times, with a daily back-up on servers physically in India. For financial years starting on or after 1 April 2023, the accounting software must keep an audit trail of every change that cannot be switched off.
Official source: mca.gov.inCGST Act, 2017
Sections 35 and 36
Every GST-registered business keeps its accounts and records at its principal place of business and retains them for 72 months from the due date of the annual return for that year, or longer while an appeal or proceeding is open.
Official source: cbic-gst.gov.inIncome-tax law
Books and tax audit
Businesses and professions above the prescribed limits must keep books of account, and a tax audit follows above further limits. The limits change from time to time, so we confirm which apply to you before the year starts.
Official source: incometax.gov.inThis is general information, not advice for your situation; we confirm what applies to you before any work starts.
Questions we get asked
Cash Flow Management: Questions, Answered
What is a 13-week cash flow forecast?
A week-by-week projection of receipts and payments for the next quarter, updated every week with actuals, so short-term cash gaps are visible early.
How is this different from a budget?
A budget plans profit for the year. A cash forecast tracks when money actually moves, week by week.
How do you calculate runway?
Current cash plus committed inflows, divided by the net monthly outflow, recalculated as the forecast changes.
Can you help when cash is already tight?
Yes. We prioritise payments, push collections and work out funding options, and set up the forecast so it does not happen again.
Often Taken Together
All 10 Virtual CFO services01Virtual CFOBudgeting and Business PlansAn annual budget the team can own, with monthly tracking against it.02Virtual CFOMonthly CFO ReviewA fixed monthly session with your Chartered Accountant on cash, margins, tax and the decisions ahead.03Virtual CFOBank Funding SupportCMA data, project reports and the paperwork lenders ask for, prepared properly.04Accounting & FinanceFinance OperationsReconciliations, payables, receivables and a predictable month-end close.05Accounting & FinanceManagement Reporting & BudgetingMonthly MIS, budgets, forecasts and dashboards built from reconciled books.