Lender relationships, carried in
Active PSU, private and NBFC connects come with the mandate — so a limit enhancement or capex line starts warm, not cold.
Senior CFO bandwidth, in Surat.
Virtual CFO Services in Surat
Senior CA / ex-banker–led fractional CFO support for Surat’s textile, diamond and manufacturing businesses — costing, working capital, lender management, MIS and compliance, at a fraction of a full-time CFO’s cost. A vCFO who reads your numbers the way your bank’s credit committee will — and fixes them first. ₹4,250 Cr+ mobilised across 100+ mandates since 2011.
CA / ex-banker led Remote-first + on-site days Textiles · diamonds · mfg
A track record since 2011, in numbers
₹4,250 Cr+
Group capital facilitated since 2011₹550 Cr
Largest single facility structured100+
Deals advised end to end20–40 hrs
Structured bandwidth per monthSince 2011
CA / ex-banker, senior on every fileA Virtual CFO is a senior finance leader embedded part-time with operating accountability — built for Surat’s promoter-led textile, diamond and manufacturing businesses that need real costing, a tight working-capital cycle and lender-ready numbers, but don’t yet justify a full-time ₹50 L–1.5 Cr CFO hire. Unlike an external advisor, the vCFO owns the numbers month on month.
On the ground in Surat
Built around how Surat businesses actually grow
Surat runs on two of India’s densest SME clusters — the man-made textile and processing ecosystem around Pandesara, Sachin and the weaving belts, and the diamond cutting and polishing trade that handles the bulk of the world’s stones — plus growing engineering and chemicals at Hazira and the GIDCs. These are working-capital-heavy, margin-thin, often family-run businesses where costing and the cash cycle decide who thrives.
For a Surat promoter that means inventory and receivables tightly managed, GST and export documentation handled cleanly, and bank limits that keep pace with turnover. Our Virtual CFO sits inside that reality — owning the monthly numbers, the costing and the lender file — delivered remotely with planned on-site days. Few advisers bring genuine corporate-finance depth to Surat; we do.
Three ways to engage
Three engagement models — fitted to your stage
From full-stack monthly bandwidth to a capex-linked sprint. Fees are indicative and scoped case-by-case on turnover, complexity and cadence.
Model Scope Duration Fees range Best for
RetainerMost popular ScopeFull-stack CFO bandwidth — costing, working capital, MIS, lender mgmt. Duration12+ months Fees range₹50k–2.5 L / month Best forSurat textile, diamond & manufacturing SMEs
Project-Based ScopeDefined deliverable — costing system, CMA & limit enhancement Duration2–4 months Fees range₹2 L–10 L / project Best forOne-time finance-function fix
Fundraise-Linked ScopeTerm loan, working-capital limit, capex, pitch pack, DD support Duration3–6 months Fees rangeRetainer + success fee Best forAn expansion or capex raise
Indicative — scoped case-by-case based on turnover, complexity and cadence. Every model is led by a senior CA or ex-banker, with a support resource executing under partner oversight. For the full breakdown, see our full Virtual CFO service.
What we own month on month
The finance function, owned — not advised on
From the cost sheet to the CMA statement, we run the finance function end to end so the numbers are clean, current and lender-ready every month.
01
Costing & profitability
True cost sheets and product-, lot- and customer-level margin — so pricing in a thin-margin trade is based on numbers you can see.
02
Working capital & inventory
Receivables, payables and inventory cycles tightened, a 13-week cash forecast, and the discipline that frees cash from stock and the trade.
03
Lender & CMA management
CMA data, drawing-power and limit reviews, stock and book-debt statements, and limit enhancements — prepared by people who have sat on the lender’s side. See how banks read a CMA report.
04
MIS & board reporting
A monthly MIS pack with KPI dashboards and a board-ready narrative — clean commentary, not raw Tally dumps.
05
GST, exports & compliance
GST, ITC reconciliation, export documentation and incentives, TDS and ROC — tracked on a managed calendar. We work on Tally or our group’s GST-ready TatvaBooks.
06
Capex & project finance
Capex appraisal and term-loan structuring for expansion — modelled for return and structured for repayment. Syndicated via corporate finance.
Why a vCFO earns its keep
CFO-grade judgement, without the full-time cost
Senior finance leadership, real costing and lender-ready numbers — on a structured monthly cadence, with the flexibility to scale up or step back.
Real costing, not guesswork
Cost sheets that hold up — so pricing and discounts in a thin-margin trade are made on margin you can actually see.
Senior CA / ex-banker lead
No junior pass-through — partner-led, by people who read the numbers the way your bank and board will.
Remote-first, on-site when it counts
Most work delivered remotely, with planned on-site days in Surat for scoping, board meetings and lender discussions.
Exit flexible
Month-to-month with 30-day notice after the minimum term — scale up for a capex raise, step back after.
Confidentiality first
NDA at kick-off; books, cost data and board papers stay ring-fenced to the named engagement team — nothing leaves the room.
Who we work with & what we need to start
Built for Surat promoter-led businesses
We work across Surat’s core sectors with ₹25–500 Cr revenue companies — and we know exactly what we need to get costing, cash and credit under control.
Sectors we work with
CA / ex-banker–led, run from our Mumbai & Pune offices, serving Surat, Hazira, Sachin and the wider South Gujarat belt — and pan-India.
What we need to start — onboarding checklist
- Audited financials — last 3 years
- Current trial balance & existing cost sheets
- Latest CMA data & sanction letters
- Bank statements — last 12 months
- Accounting software access & inventory data
- KYC of company, promoters and directors
Indicative — varies by scope and stage. A mutual NDA is executed before diligence begins.
Why Finnova
Why Surat businesses choose Finnova as their Virtual CFO
Four reasons promoters hand us the numbers — and keep us on file through expansion and beyond.
01
Banker’s eye on your file
We prepare CMA data and lender presentations the way a credit committee reads them — so limits and rates land in your favour.
02
Costing in a thin-margin trade
Real product and customer costing — essential where margins are slim and volumes high.
03
Working capital, freed
A tighter receivables-inventory cycle often pays for the engagement in cash released alone.
04
Track record
₹4,250 Cr+ mobilised, ₹550 Cr largest single facility and 100+ deals since 2011 — real lender reach.
Consultation
Tell us where the finance function stands
One conversation tells you the right engagement model, the cadence that fits your business and how fast we can stand up real costing and a lender-ready file. No pitch — just a straight read from senior people who own numbers for a living. Over video, or on-site in Surat.
Thank you — your enquiry has been submitted
We’ve received your details. A senior member of our team will review them and get back to you within one business day. Everything you’ve shared stays strictly confidential.
FAQ
Virtual CFO services in Surat, answered
Yes. We serve promoter-led businesses across Surat — the textile and diamond clusters, Hazira and Sachin GIDC, and the wider SMC area — with a senior CA / ex-banker–led Virtual CFO. Engagements run remotely with scheduled on-site days, so working with our Mumbai/Pune base is seamless.
Our offices are in Mumbai and Pune, and we serve Surat clients through a remote-first cadence with planned on-site visits for scoping, board meetings and lender discussions. Most monthly work — MIS, costing, lender files — is delivered remotely, the way modern finance functions already run.
A typical retainer covers monthly MIS and board reporting, costing, cash-flow and working-capital management, lender and CMA management, compliance-calendar oversight and ad-hoc strategic support. Scope is agreed upfront and locked into a signed engagement letter.
Every mandate is led by a senior CA or ex-banker — you deal with the named partner directly, not a rotating bench of junior staff. A second support resource handles execution under partner oversight.
Further reading
The virtual CFO question, explained in our Resources
What a virtual CFO is, what it costs, and how it works for manufacturers. For the complete service, see our full Virtual CFO service.