Working Capital
The fuel that runs your business!
Capital And Cash Flow: All businesses need help!
That's why you need Prudent CFO!
Prudent CFO:
Capital Structure and Working Capital Management
We bring clarity, control, and a competitive edge to working capital management. While others settle for basic cash flow tracking, we go far deeper. We don’t just monitor your inflows and outflows; we uncover hidden inefficiencies, flag potential risks early, and craft strategies to turn cash flow challenges into opportunities.
Gain a competitive edge by leveraging our expertise in predicting future cash flows based on historical data, sales forecasts, and expense projections.
Our detailed cash flow statements help you identify trends, discrepancies, and address issues before they escalate.
Timely collection of payments from customers is important to maintain a steady cash inflow. Investment in liquid assets to maintain liquidity.
We plan and negotiate the timing of payments to suppliers, and optimise cash outflow without incurring penalties.
We monitor cash that remains unused and unallocated within the business cycle, and recommend strategic avenues for its effective deployment to maximise returns.
With us, build a financial safety cushion to confidently navigate unexpected costs or economic challenges.
Late payments and unpaid invoices can quickly derail operations, create financial stress, and stunt growth. That’s why it’s important to create a seamless, proactive system that ensures that your business stays liquid, efficient, and poised for success. We re-imagine and implement the best ways to manage your receivables.
Timely and accurate invoicing is crucial. This includes generating invoices, ensuring they are sent promptly, and providing clear payment terms.
We facilitate the assessment of customer creditworthiness. This helps mitigate the risk of late payments and defaults.
From online payments to direct debits, we facilitate seamless payment options to make it easier for your customers to pay on time.
It’s easy to create a system to actively follow up on overdue accounts through reminders, phone calls, and emails to encourage prompt payment.
We provide regular reports on accounts receivable performance, ageing reports, and cash flow forecasts. It helps you to understand your real financial position.
For severe overdue accounts, we negotiate payment plans or collaborate with recovery agencies to minimise losses.
While managing collections, we ensure that communication is professional and respectful.
Managing inventory isn’t just about keeping track of stock; it also ensures that the right products are available in the right quantity at the right time: without tying up your cash in unnecessary stock. With regular insights into inventory trends, turnover, and supplier performance, we ensure you're always a step ahead of the competition.
We don’t just count what’s in stock; we monitor inventory in real-time, so you always know what needs to be reordered and what’s gathering dust.
We set the optimal reorder levels, so you’re never stuck with excess stock or scrambling to meet demand.
We ensure that maximum inventory capacity of warehouses or storage facilities are utilised, while ensuring easy access to products.
We apply methods like FIFO, LIFO, or weighted average cost to ensure accurate, transparent financial records. So you always get a true reflection of your stock’s worth.
Building and maintaining relationships with suppliers to ensure timely deliveries is a priority for us. We also negotiate better terms.
Regular physical counts and audits keep your records in check, and help in identifying discrepancies before they turn into bigger issues.
Regular physical counts and audits keep your records in check, helping identify discrepancies before they turn into bigger issues.
Regular physical counts and audits keep your records in check, helping identify discrepancies before they turn into bigger issues.
We implement automation tools that reduce manual errors, flag duplicate or fraudulent invoices, and improve visibility into your payables. Our team helps you stay ahead of payment deadlines, preventing late fees and maintaining strong supplier relationships. By negotiating better payment terms and leveraging early payment discounts, we help you retain more cash while still meeting obligations on time.
Effective payment scheduling, paired with advantage of early payment discounts, ensures that cash remains available for other crucial operational needs.
Timely payments and transparent communication enhance relationships with suppliers. This results in better terms and improved service.
A structured and automated accounts payable process with proper controls minimizes the risk of errors and fraud. And ensures that only legitimate expenses are paid.
Accurate tracking and reporting of accounts payable is important. It gives organisations better insights into their financial obligations and cash flow management.
Streamlining the accounts payable process through automation and technology reduces manual work, and allows finance teams to focus on strategic initiatives.
Many businesses unknowingly leave surplus cash sitting idle in low-interest accounts, missing out on opportunities to maximise returns. Smart financial management isn’t just about earning; it’s about making every penny work efficiently. By identifying and strategically investing unused funds, we improve liquidity, generate additional income, and fuel long-term growth for your business.
Instead of letting surplus cash sit idle, businesses can invest in short-term or long-term opportunities to generate additional income.
Identifying unused funds allows businesses to better manage their cash flow. It ensures that they have the liquidity needed for operational needs while also growing their capital.
Strategic investments mitigate risks associated with inflation or market fluctuations by ensuring that all available funds are actively working for the business.
Investing surplus funds in new projects or opportunities can lead to business expansion and increased profitability.
We offer specialised services to maintain a minimum cost of capital. Our CFO team analyses your capital structure to reduce debt and equity costs while negotiating favourable terms with lenders and investors. We also focus on optimising inventory levels to free up capital, improve receivables collection for faster payments, and negotiate better payables terms with suppliers.
Finding the right balance between debt and equity is key for a company. We help you gain affordable debt, and also keep a check on associated risks.
Smart short-term loans and credit options keep costs down while ensuring cash flow. We help you leverage revolving credit and trade credit to meet immediate needs without overspending.
We figure out the appropriate level of cash-holding for your business. It ensures that idle cash is minimised, and excess cash is invested in projects that offer higher returns, lowering your cost of capital.
Here is a Quick Review
Make Your Money Work Smarter For You!
We provide car cleaning at customers' door steps. Prudent CFO is playing a vital role in this journey. They helped us immensely with capital structuring strategies, raised funds for us, and even helping us in business expansion. What more can one asks for from a CFO service!
Yashwant Buldani
Hoora Technologies Pvt. Ltd.
Frequently Asked Questions
We use realistic budgeting models based on industry standards and your business patterns to predict cash inflows and outflows accurately, helping you avoid liquidity crunches.
Working capital management ensures your business has enough funds to operate smoothly and grow. It involves managing cash, inventory, receivables, and payables efficiently to avoid liquidity issues and maintain financial stability.
A CFO brings strategic insight to optimize your cash flow, reduce your cost of capital, and establish realistic forecasts. They negotiate better payment terms with clients and suppliers, improve inventory management, and provide access to emergency and external funds.
Many businesses lack a formal capital management strategy. So they face high costs of capital, experience seasonal cash flow fluctuations, and burn cash faster than industry norms. Plus limited access to emergency funds. All these factors lead to operational disruptions.
Yes. Acting as your negotiation partner, we work with your clients, vendors, and suppliers to secure improved payment schedules and credit terms that enhance your cash position.
By optimizing inventory levels, we reduce holding costs and free up cash that would otherwise be tied up in excess stock, improving your overall profitability.
We leverage advanced financial models and technology tools to provide real-time insights and automate key processes, enabling smarter decision-making and better cash flow control.
Prudent CFO helps you reach industry benchmarks in working capital efficiency, lowers your financing costs by up to 30%. We do so by improving cash flow predictability, securing favourable credit terms, and providing market insights known to only a select few.
You can schedule a meeting by providing your contact details. Our team will assess your current situation and tailor solutions that fit your business needs to improve cash flow and profitability.