Working Capital Management Services
Your Money Is in the Business.
We Help You Get It Working.
Most SMEs don’t have a revenue problem. They have a capital flow problem. Your money is sitting in unpaid invoices, slow-moving stock, and misaligned payment cycles — and it’s quietly strangling your growth. We fix that.
- CA-led working capital reviews — not generic advisory
- Hands-on cycle optimisation across debtors, creditors, and operations
- Built specifically for Indian SMEs with ₹5 Cr – ₹100 Cr in revenue
2,000+
Clients served
₹ 5Cr-₹100Cr
SME focus range
CA-Led
Every engagement
5–7 Days
Setup time
THE PROBLEM
Sound Familiar? You’re Not the Only One.
When business owners come to us, they’re often convinced they need more funding or a larger CC limit. After reviewing their financials, we almost always find the same thing — the money is already there. It’s just stuck.
Debtors are high, cash is low
You’ve billed your clients. The P&L looks healthy. But your bank account is empty because nobody has paid yet. When receivables pile up and collections are slow, your working capital gets trapped — and your daily operations suffer.
Vendor pressure before customer payments arrive
Your suppliers want payment in 30 days. Your customers take 60 to 90. That gap — the mismatch between when money goes out and when it comes in — is where most SMEs bleed working capital quietly, every single month.
Your CC limit is always near full
You have a cash credit or overdraft facility, but it’s perpetually stretched. You’re constantly drawing on it just to cover operations — not for growth. That’s a sign of a broken working capital cycle, not a sign you need a higher limit.
You don’t know where the capital is stuck
No debtor ageing report. No creditor analysis. No working capital cycle map. Without visibility into where your money is sitting and for how long, you’re making decisions blind — and the cycle keeps repeating.
IDEAL FOR
This Service Is Built For You If…
- You run a B2B business with 30–90 day payment cycles
- Your CC or OD limit is always near fully utilised
- You have strong sales but consistently tight cash
- Your debtors are growing faster than your collections
- A bank facility renewal or working capital loan is coming up
- You don’t have visibility into debtor ageing or creditor cycles
- You’re scaling and the working capital gap is widening
- You want a finance team without the cost of hiring one full-time
Our process
How We Get Started — In 4 Simple Steps
01
Working Capital Assessment
We review your balance sheet, debtor and creditor ledgers, payment terms, and banking facilities. This gives us a clear picture of your current working capital cycle and where the pressure points are.
02
Cycle Mapping & Gap Identification
We map your full cash conversion cycle — from vendor payments to customer collections — and identify the specific gaps, delays, and inefficiencies causing capital to get locked.
03
Optimisation & Implementation
We implement targeted interventions: restructuring payment terms, setting up debtor follow-up protocols, realigning credit policies, and improving MIS visibility. These are practical changes, not theoretical recommendations.
04
Ongoing Monitoring & Reporting
We track your working capital position monthly, flag deviations, and adjust the strategy as your business evolves. You stay in control — with full visibility, every step of the way.
WHAT WE DO
What Our Working Capital Management Service Covers
Working Capital Assessment & Gap Analysis
We start with a structured review of your current working capital position — debtor days, creditor days, cash conversion cycle, and working capital ratio. We identify exactly where the gaps are and what’s causing them.
Debtor Management & Collections Optimisation
We help you build a robust credit control system — debtor ageing reports, follow-up protocols, escalation processes, and collection timelines. Reducing debtor days by 10–15 days can unlock significant capital without new borrowing.
Creditor Management & Payables Structuring
We analyse your payables profile and help structure payment terms strategically — optimising creditor days without damaging supplier relationships. The goal: align outflows to inflows so the cycle works in your favour.
Working Capital Cycle Optimisation
We map your entire cash conversion cycle — from procurement to production to sales to collection — identify where capital is getting locked, and implement specific interventions to shorten the cycle and free up liquidity.
Working Capital Reporting & MIS
Regular working capital reports — debtor ageing, creditor summaries, net working capital position, and cycle efficiency metrics. Clear dashboards built in Excel or cloud tools, reviewed monthly with our team.
Cash Conversion Cycle Monitoring
We continuously monitor the cash conversion cycle, track key performance indicators, and recommend improvements to accelerate cash inflows and optimise working capital efficiency.
Why choose us
Why Businesses Choose CFO Services for Working Capital Management
CFO Services LLP is a Mumbai-based CA firm that has helped 2,000+ Indian SMEs unlock trapped capital, shorten payment cycles, and build working capital systems that actually work. We don’t just analyse — we implement.
We go beyond the spreadsheet
Most advisors hand you a ratio analysis and leave. We build the systems, run the protocols, track the debtors, and monitor the cycle — month after month.
India-specific working capital expertise
MSME payment norms, GST credit cycles, government receivable delays, seasonal procurement patterns — our advice is built for your reality, not a textbook.
CA-led, every engagement
Every working capital engagement is handled by Chartered Accountants who understand your financials end to end — not junior staff or generic outsourcing.
Practical, not theoretical
We implement credit control policies, restructure payment terms, build debtor ageing dashboards, and sit alongside you until the cycle improves.
CLIENT FEEDBACK
What Our Clients Say
FAQS
Frequently Asked Questions
Working capital management is the process of managing your short-term assets and liabilities — receivables, payables, inventory, and cash — to ensure your business has enough liquidity for day-to-day operations. For SMEs, poor working capital management is one of the leading causes of business failure, even when sales are strong.
Cash flow management tracks the movement of money in and out of your business. Working capital management focuses specifically on the efficiency of your operating cycle — how quickly you convert inventory and receivables into cash, and how well you manage what you owe suppliers. The two are related but distinct — and we offer both as services.
We review your balance sheet, debtor and creditor ledgers, banking statements, and payment term structures. We calculate your debtor days, creditor days, cash conversion cycle, and current working capital ratio — then identify specific gaps and benchmark against industry norms.
Yes. We help you build a structured credit control policy — one that is firm on collections but professionally managed. This includes debtor ageing reports, tiered follow-up protocols, and escalation frameworks that protect relationships while accelerating collections.
Under the MSMED Act, buyers must pay MSME suppliers within 45 days of acceptance. Delayed payments attract compound interest at 3x the RBI bank rate. We help MSME clients understand their rights, track overdue receivables, and where relevant, use the MSME Samadhaan portal to recover dues.
A CC or OD facility is a tool, not a solution. If your working capital cycle is broken, you’ll keep drawing on the limit without ever freeing up headroom. We help you fix the underlying cycle so your CC facility becomes a buffer for growth — not a lifeline for daily operations.
Most clients see measurable improvement in debtor days and cycle efficiency within 60–90 days of engagement. The initial assessment and gap identification happen within the first 2 weeks. Full cycle optimisation is typically visible within one quarter.
Yes. We help you prepare the financial statements, projections, and working capital analysis lenders require for CC limit enhancements, term loan applications, and bank facility renewals. We ensure your case is presented clearly and credibly.
Monthly working capital reports including debtor ageing analysis, creditor summaries, net working capital position, and cash conversion cycle metrics. For clients with active bank facilities, we also prepare periodic stock and debtor statements as required by lenders.
B2B businesses with long collection cycles, manufacturing and trading companies with inventory-heavy operations, businesses with government or large-corporate clients who often pay late, and any SME preparing for a bank facility renewal or working capital loan.
Ready to Unlock the Capital Already in Your Business?
Stop waiting for more credit. The working capital your business needs may already be sitting in your debtors, your payment cycles, and your processes. Let’s find it — and put it to work.
No commitment required. Speak with a CA directly.