Virtual CFO

Overview: what a Virtual CFO does

A Virtual CFO (vCFO) is an experienced finance leader who works with your business part-time, on a retainer, instead of as a full-time hire. Where a bookkeeper records transactions and an accountant files returns, a vCFO interprets the numbers and uses them to drive decisions — pricing, cash runway, hiring, margins, fundraising and risk. You get board-grade financial leadership at a fraction of the cost of a full-time CFO, which for most MSMEs would run into ₹30–60 lakh a year.

The role is forward-looking. Instead of telling you what happened last quarter, a vCFO builds the rolling cash-flow forecast, the budget you measure performance against, and the unit-economics model that tells you whether growth is actually profitable. It is the difference between flying with a rear-view mirror and flying with instruments.

Who needs a Virtual CFO

• Founders scaling past ₹1–2 crore turnover who feel they are flying blind on numbers
• Startups preparing to raise funds and needing an investor-ready model and data room
• Businesses facing recurring cash crunches despite being profitable on paper
• Companies with a bookkeeper but no one translating accounts into decisions
• Promoters who want a monthly board pack and budget-versus-actuals discipline

What the engagement includes

A typical retainer is scoped to your stage and scales up around events such as a fundraise or an audit. The recurring deliverables give you a clear, repeatable rhythm of financial control rather than ad-hoc firefighting.

• A monthly board pack and management information system (MIS) dashboard
• A rolling 12-month cash-flow forecast and runway tracking
• Annual budget and monthly budget-versus-actual variance analysis
• Unit economics, pricing and margin analysis
• Fundraising support — financial model, data room, diligence Q&A, term-sheet review
• Cash-flow, working-capital and vendor-payment planning

How we work as your finance partner

We embed into your monthly close. Your books are reconciled and closed within days of month-end, the MIS is prepared and reviewed with you, and we walk through what the numbers mean for the decisions in front of you. Around milestones — a bank loan, an investor round, a new product line — we step up the intensity, building the CMA report, the model or the diligence pack you need.

Because TCC also runs your GST, TDS, ROC and bookkeeping, your vCFO works from a single, clean source of truth instead of chasing data across vendors. That integration is what makes the advice timely and the numbers trustworthy.

Why choose TCC as your Virtual CFO

Our vCFO service is led by a Chartered Accountant with 12+ years of practice across 1,100+ Indian businesses, so you get pattern-tested judgement, not theory. It is a fixed monthly retainer with no lock-in and WhatsApp-first access, and it sits on top of compliance we already handle — meaning your strategy, tax and statutory obligations all pull in the same direction. You get the senior finance brain your business needs, exactly when it needs it.