Accounting-as-a-Service · Fractional CFO · Built in Bengaluru

Your books shouldn't be a
source of stress.

CFOSutra is the finance function for founder-run businesses. We handle the numbers — so you can focus on the business.

"Our books are months behind and I don't know where to start."
We take over the mess, close the backlog, and get you current — then keep you there, every month.
"I can't tell if the business is doing well or just busy."
You get a clean P&L, cash flow position, and a short plain-language summary — every single month, on the 5th.
"Payroll and compliance feel like a fire drill every time."
Payroll runs on schedule. Deadlines don't slip. Reimbursements get processed. You stop thinking about it.
Your numbers, working for you

Real-time financials.
On time, every time.

CFOSutra is a human team that uses modern tools to deliver accounting, reporting, and financial clarity at startup speed. Know your cash on any day. Understand where the business is headed. Make faster decisions.

5th
Books closed by the 5th
100%
On-time every month
IST
Same-day response
Live dashboard
CFOSutra · Finance Dashboard · Oct 2024
ARR
₹2.4Cr
↑ 18% MoM
Cash
₹68L
Runway: 14 mo
Burn
₹4.8L
↓ 12% vs plan
Monthly Revenue
Gross Margin
74.2%
MoM Growth
+18.4%
Outstanding AP
₹2.1L
Books closed · Oct 5
Updated just now
How we work

Every service built around
what you actually get.

01
Accounting as a Service
Books that close on time, every month. Full-stack accounting — GL, reconciliations, statutory compliance — delivered as a managed service. You never think about it again.
Books closed by the 5th
Monthly P&L, balance sheet
Statutory compliance, handled
02
Controller as a Service
A senior finance function without a full-time hire. Financial controls, month-end reporting, audit readiness, and reporting pack preparation — on your schedule.
Monthly reporting packs, ready to share
Audit readiness year-round
Financial controls you can rely on
03
Payroll as a Service
Payroll processed accurately and on time, in every country you operate in. Statutory deductions, reimbursements, and payslips — handled end to end.
On-time every cycle, guaranteed
Multi-country compliance
Payslips and reimbursements
The CFOSutra edge
Fractional CFO Partnering
Strategic financial guidance without the full-time cost. Growth models, fundraising support, investor narratives, and scenario planning — when you need it.
Fundraise-ready financial models
Investor narrative and data room
Runway modelling
Scenario planning
Investor decks
Board prep
What you get

Here's what your finances look like, working.

D2C Brand · Monthly Finance Pack · Oct 2024
Closed Oct 5
Net Revenue
₹38.2L
↑ 22% MoM
Gross Margin
58.4%
↑ 2.1pp vs last mo
CAC (blended)
₹312
↑ ₹28 vs Sept
Inventory days
34 days
Target: <45
Revenue by channel — Oct
Own website ₹18.4L · 48%
Quick commerce ₹11.5L · 30%
Marketplaces ₹8.3L · 22%
Unit economics snapshot
Contribution margin
42% · ₹16.0L
Returns rate
8% — watch
Repeat purchase rate
64% — strong
Manufacturing Co. · Monthly Finance Pack · Oct 2024
Closed Oct 5
Net Revenue
₹1.24Cr
↑ 11% vs Sept
Gross Margin
34.8%
↓ 1.2pp — raw mat.
Receivables (AR)
₹28.4L
Avg 52 days overdue
WIP / Inventory
₹41.2L
Turns: 8.2x
Cost of production — Oct
Raw materials ₹48.6L · 59%
Direct labour ₹19.8L · 24%
Overhead / utilities ₹13.8L · 17%
Working capital health
Debtor days (DSO)
52 days — high
Creditor days (DPO)
36 days
Cash conversion cycle
45 days — monitor
Software & Services Co. · Monthly Finance Pack · Oct 2024
Closed Oct 5
MRR
₹20.1L
↑ 14% MoM
Gross Margin
72.6%
↑ 1.8pp
Net cash burn
₹4.2L
↓ ₹1.1L vs plan
Runway
16 mo
+2 mo vs Sept
Revenue breakdown — Oct
Subscriptions (SaaS) ₹14.8L · 62%
Services / retainers ₹7.2L · 30%
One-time / setup ₹1.9L · 8%
SaaS health indicators
Net revenue retention
108% — expanding
Churn (monthly)
2.4% — healthy
CAC payback period
8.2 months
Who we are

Accountants who take
their craft seriously.

CFOSutra was built on a simple belief: founders and operators deserve financial partners who speak their language, work at their pace, and care about the outcome — not just the compliance checkbox.

We work with founder-run and owner-governed businesses across industries, turning unstructured processes and fragmented data into clear financial intelligence. Cash flow forecasts that actually reflect reality. P&L that tells a story. Books that close on time, every month.

Our team uses modern accounting tools, structured workflows, and a relentless attention to detail — because good numbers come from rigorous process, not just good software. We automate the repetitive so our team spends time on analysis, not data entry.

If you're looking for a firm that files your returns and disappears, we're not the right fit. If you want a team that thinks like a CFO, works like a partner, and shows up every month — let's talk.

Book a free 30-minute call →
Human team, modern tools
We use the best tools available — so your work is better, faster. Our team uses AI-assisted tools to catch errors that humans miss at scale. The technology amplifies the humans. The humans are still the story.
Business partner mindset
We don't just close the books. We read them. Every month we flag what's changed, what needs attention, and what it means for your next quarter.
Structured for scale
Our workflows are built to absorb your growth. Whether you're at ₹2Cr or ₹200Cr, the process is the same — fast, consistent, and clean.
📍
Built in Bengaluru. Serving companies worldwide.
US · UK · Singapore · UAE · India
Founder's reading room

Finance thinking for people
who run real businesses.

Short, direct pieces on what the numbers actually mean — and what to do about them.
Equity · Strategy
ESOPs aren't a benefit. They're a strategic tool.
Most founders hand out ESOPs reactively — to close a hire or retain someone who's leaving. That's the wrong way to think about it. Done right, an ESOP pool is one of the most powerful levers you have.
Fundamentals
Revenue vs Profit vs Cash Flow: vanity, sanity, and reality.
A business can be growing fast, be profitable on paper, and still run out of cash. Understanding which number to watch — and when — is the difference between a business that scales and one that implodes quietly.
Growth
"Growth solves all problems." The most expensive myth in business.
Every founder has heard this. Most have believed it at some point. Growth does solve some problems. It also amplifies others — especially financial ones that nobody wanted to look at when times were good.
Unit Economics
Gross margin is where your business's success is hidden.
Revenue is easy to celebrate. Net profit is easy to explain. But gross margin is where business model strength actually lives — and most founders don't look at it hard enough, or often enough.
Cash Management
Why profitable businesses still die. It's called a cash flow gap.
Most business failures aren't caused by bad products or weak demand. They're caused by money running out at exactly the wrong moment — even when the P&L looks fine. This is the cash flow gap, and it kills quietly.
Leadership · Finance
When does a founder stop being the de facto CFO?
There's a moment in every growing business when the founder — who has been doing the numbers in their head and on a spreadsheet — realises they can't anymore. The question is whether they realise it before or after something breaks.
Thought of the day · @CFOSutra
"Your accountant should be telling you what happened and why — not just handing you a file and disappearing. If your books are a mystery to you, the problem isn't you. It's the process."
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