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The Finance Function Your Business Needs.
Monthly MIS reporting, budgeting, financial modelling, working capital management, profitability improvement, and external party management. For manufacturing, trading, and services businesses. Handled personally by a CFA Charterholder.
Most SME promoters run their businesses without a dedicated finance function. The books are maintained. The taxes are filed. But nobody is asking whether the right product lines are being pushed, whether the working capital cycle is efficient, or whether the pricing decisions being made today will hurt margins six months from now.
Parfin Capital fills that gap. We provide six integrated commercial finance functions covering the analytical, forward-looking, decision-oriented side of finance that growing businesses need but rarely have access to. Monthly MIS reporting, internal company management, financial modelling, credit and fundraising, profitability improvement, and external party management. Activated each month by the Monthly MIS Report, which keeps every pillar live and aligned to your priorities.
We are not accountants and we do not do compliance. We are commercial finance advisors, and the distinction matters. Our job is to help you make better decisions with your money, not to record what you have already done with it.
A management report is not a printout from Tally. It is a monthly document that tells a promoter, in plain terms, how the business performed against plan, where it is bleeding, and what needs attention.
The Monthly MIS Report is the recurring touchpoint that keeps every commercial finance pillar live, monitored, and aligned to your priorities each month.
Most SME promoters have no one looking at the numbers with a management eye each month. We fill that role. Every month we review actuals against budget, flag what needs attention, and give you the decision support you need to run the business well, not just to file returns. This pillar is the foundation from which all other advisory work flows.
Growing SMEs work with a range of external professionals including rating agencies, auditors, legal advisors, and consultants. Most promoters have no structured way to onboard, brief, or hold these parties accountable. We handle the engagement layer: structuring the scope, reviewing fees, managing deliverables, and ensuring every external party performs against a clear brief.
Behind every well-run business is a model that captures how it actually works, covering revenues, costs, working capital, debt, and cash. We build integrated financial models that serve as the analytical backbone for management decisions, lender submissions, capex evaluations, and fundraising. Built to institutional standards, not assembled from templates.
Access to working capital and term finance is not just a loan advisory question. It is a year-round commercial finance function covering the management of utilisation, timing of renewals, structuring of enhancements, and navigation of government schemes. We manage the credit relationship on your behalf so that your banking facilities are always sized correctly and working efficiently for the business.
Most advisors tell you what to submit. We tell you what will happen after you submit it, because we have been on the other side. We understand how credit managers read a file, how rating agencies weight their scorecards, and where government subsidy schemes break down in practice. That inside knowledge is what we apply on your behalf.
Revenue growth means nothing if the wrong product lines or contracts are driving it. We analyse your business at the level that matters — by product, by customer, by channel — to identify where the real margins are, where costs are being absorbed incorrectly, and what the business should be doing more or less of. Then we build a 12-month roadmap to get there.
Every service pillar above is activated and kept live by the Monthly MIS Report. This is the recurring touchpoint that keeps every pillar active, monitored, and aligned to your priorities each month.
We start with a thorough review of your profit and loss, balance sheet, and working capital position. We look at your cost structure, your margins, your debtor and creditor cycles, and your cash conversion cycle. This gives us and you a clear picture of where the business stands financially.
No charge for thisWe map the specific areas where the business is leaking value, whether that is pricing below cost on certain product lines, a working capital cycle tying up more cash than it should, a cost structure that has not been reviewed against current volumes, or external advisors not performing against brief. We present this with numbers, not opinions.
We agree the scope, the deliverables, and the monthly cadence. Every engagement is structured around what the business actually needs, not a fixed template. We set up the reporting format, the reporting calendar, and the communication routine.
In the first month we deliver: a baseline MIS report for the business, a working capital map with specific improvement recommendations, a costing model for the primary business lines, and an initial assessment of the business's bankability. These outputs form the foundation of the ongoing engagement.
Every month we review actuals against budget, update the working capital position, flag variances, and provide a written commentary with recommendations. We are available for decisions on pricing, hiring, investment, and lender conversations between the monthly reviews. All six pillars remain active throughout the engagement.
| Capability | Your Chartered Accountant | Cost & Mgmt Accountant | Parfin Capital |
|---|---|---|---|
| Tax and statutory compliance | Core role | Partial | Not our remit |
| Monthly MIS and management reports | Rarely | Sometimes | Core service |
| Banking ratios and credit lens | Not offered | Not offered | Primary strength |
| Bank and NBFC relationship management | Not offered | Not offered | Core service |
| Financial modelling and scenarios | Not offered | Partial | Core service |
| External party onboarding | Not offered | Not offered | Included |
| Fundraising and loan structuring | Not offered | Not offered | Core service |
| Profitability improvement | Not offered | Partial | Core service |
| Strategic financial planning | Not offered | Not offered | Core service |
| Capability | Parfin Capital | Your CA |
|---|---|---|
| Profitability and Business Performance | ||
| Product, SKU or project margin analysis | Which line is actually making money | Not their remit |
| Pricing advisory | Should you take that order? | Not typically offered |
| Cost structure review | Fixed vs variable, overhead absorption | Books recorded, not analysed |
| Break-even and contribution analysis | Per product line or project | Not offered |
| Working Capital and Cash Flow | ||
| Debtor and receivables management | Debtor days, collection cycle, ageing | Recorded in books only |
| Inventory optimisation | Stock turns, slow-moving SKUs | Not offered |
| Cash flow forecasting | 13-week and rolling annual | Historical only, not forward-looking |
| Working capital cycle advisory | How to shorten cash conversion cycle | Not their focus |
| Planning and Decision Support | ||
| Annual budget preparation | Revenue, cost, and cash budget | Not typically offered |
| Budget vs actuals, monthly review | Variance analysis with explanations | Not offered |
| MIS and management reporting | Monthly dashboard for decisions | Books closed, not interpreted |
| Capital investment decisions (NPV/IRR) | Before committing to expansion | Rarely and not in depth |
| Lender Readiness | ||
| Financial health check before loan | Know weaknesses before bank does | Prepares financials, not bankability |
| Improving financial ratios over time | DSCR, TOL/TNW with action plan | Reports ratios, does not advise |
| 3-statement financial modelling | P&L, balance sheet, cash flow linked | Projections for compliance only |
Your CA handles everything statutory, legal, and compliance-related. Parfin Capital sits alongside that function, handling the commercial and analytical side your CA is not set up to do.