Limited Cash Flow Visibility
Mismatched receivable and payable cycles, liquidity pressures and the absence of a forward-looking 13-week cash flow forecast.
Business | Finance | Marketing | HR consulting · Kolkata
Beyond What the World sees today
Strategic finance consulting on retainer — covering capital strategy, liquidity, funding readiness and financial operations for founders, SMEs and private clients across India.
We deliver financial clarity and strategic insight to privately held businesses and private clients, empowering informed decisions and disciplined execution. Each engagement is managed by a designated consultant and subject to independent second-level review, ensuring analytical rigour, accountability and quality at every stage.
Led by a consultant with 15+ years of experience in global banking & markets
- Entrepreneurs & Founders
- Privately Held Businesses
- Emerging Enterprises
- Growth-Stage Companies
- Family Offices
- Professionals
- Private Clients
The challenge
Profitability Without Liquidity
Strong reported earnings, yet inadequate cash reserves to meet operating commitments and sustain growth.
Financing & Credit Readiness Gaps
Delays in securing bank financing due to incomplete financial projections, CMA data, lender documentation and credit assessments.
Decisions Without Financial Intelligence
Critical pricing, recruitment and expansion decisions made without robust financial analysis, scenario modelling or performance metrics.
Services
Six areas. One accountable team.
Our associates frame the problem with you; our lead consultant analyses it and recommends actions.
Corporate Strategy & Business Planning
Commercial due diligence, Business model assessment, Integrated financial projections, Scenario modelling, Pricing optimisation and Market-entry strategy.
Treasury & Financial Performance Consulting
Short-term liquidity forecasting, working capital management, cash flow optimisation and monthly management information systems (MIS) with executive performance metrics.
Capital Strategy & Funding Readiness
Debt and equity funding preparedness, lender presentation materials, investor data rooms, financing strategy and government incentive assessment.
Operational Excellence & Cost Optimisation
Cost rationalisation, operating model enhancement, SOP development, internal control frameworks, payroll structuring and financial systems and Tech implementation.
Private Client Consulting
Personal budgeting and cash flow management, debt restructuring, tax-efficiency analysis and old-versus-new tax regime assessment.
Mergers, Acquisitions & Transaction Consulting
M&A preparedness, partnership structuring, preliminary/indicative business valuations, transaction strategy and deal-process support.
How we work
A simple, disciplined process.
Book
Choose a time now.
Frame
An associate meets you and writes a clear problem statement within 24 hours.
Resolve
Our lead consultant analyses it and sends a written recommendation within 5 working days.
Deliver
Consulting team delivers.
Team
The people behind the work.
Sukhendu Roy
Lead Consultant
Fifteen years in Global Banking and Financial analysis.
Associate bench
Specialists in Finance, Management, Real Estate, Legal & Regulatory, and deal processes.
FAQ
Questions, answered.
What do you help with?
Business and money problems: strategy, cash flow, funding readiness, costs, operations and personal budgets.
Do you give investment advice?
No. We are not registered with SEBI, AMFI or IRDAI and do not recommend securities, funds, insurance policies or brokers.
Weekly Consultation Access
Retainer clients receive one dedicated weekly consultation with their lead consultant, available Monday through Wednesday between 10:00 AM and 12:00 PM, for ongoing business-finance support, strategic reviews and priority business matters.
Engagement Process
Begin an engagement with a paid financial diagnostic. Within 30 days, receive a comprehensive financial assessment outlining the current position, key areas of exposure and three to five prioritised strategic recommendations with actionable next steps.
Can I stop at any time?
Retainers run month to month with 30 days' notice.
Is my data safe?
Yes. We sign an NDA, follow India's DPDP Act, and keep your files in company-owned, access-controlled systems.
Insights · Capital Markets & Macro Review
Six fiscal years, read for business owners.
Annual reviews of India's economy, interest rates, credit and markets from FY2020-21 to FY2025-26, built on official data and written for the people who run businesses and manage private finances.
FY2020-21Annual review
The Shock and the Snap-Back
A pandemic contraction, the lowest policy rate in two decades and a record equity rebound. The year proved that liquidity, not profitability, decides who survives a shock.
−7.3%Real GDP
6.2%CPI inflation
4.00%Repo, year-end
FY2021-22Annual review
Reopening, Recovery and the Return of Inflation
Growth rebounded strongly, rates stayed at record lows, and input-cost inflation returned. Pricing power and working-capital discipline became the year's deciding factors.
8.7%Real GDP
5.5%CPI inflation
4.00%Repo, year-end
FY2022-23Annual review
The Tightening Year
The RBI raised the repo rate by 250 basis points in nine months as inflation stayed above target. Borrowing costs reset quickly, and the rupee crossed 80 to the dollar.
7.2%Real GDP
6.7%CPI inflation
6.50%Repo, year-end
FY2023-24Annual review
Strong Growth, Patient Policy
Growth surprised on the upside while the RBI held rates steady all year. Stable conditions made it a year for strengthening balance sheets and financial reporting.
8.2%Real GDP
5.4%CPI inflation
6.50%Repo, year-end
FY2024-25Annual review
A Soft Patch and the Turn in the Rate Cycle
A general election, a mid-year growth slowdown, record foreign selling in equities and the first repo rate cut in almost five years.
6.5%Real GDP
4.6%CPI inflation
6.25%Repo, year-end
FY2025-26Annual review
Lowest Inflation, Easiest Policy, Toughest Markets
Growth of 7.7%, record-low inflation and 100 basis points of rate cuts, yet equities fell, bond yields rose and the rupee had its steepest decline in 14 years.
7.7%Real GDP
2.1%CPI inflation
5.25%Repo, year-end
Contact
Let's talk about your numbers.
- Phone / WhatsApp
- +91 62899 71375
- Location
- Kolkata, West Bengal
- Hours
- Monday to Friday, 10:00–18:00 IST