Growth
Growth is arithmetic long before it is ambition. Unit economics, pricing and cash-flow modelling for MSMEs that have already been told to grow faster. We find the leak in the P&L, model the fix, and stay until the numbers actually move.
ALMOST NOBODY FAILS FOR LACK OF MONEY
Businesses that raise a term loan, a working-capital limit or a funding round do not usually stall because capital was unavailable. They stall because the money arrived faster than the business could absorb it — people hired ahead of revenue, discounts granted to win a channel, a new city opened before the first city had proved its unit economics.
That is the work we do. We rebuild the unit economics of what you actually sell, to the customers you actually serve, through the channel you actually use. Then we price it, model the cash, and fix the largest three or four leaks before anybody raises another rupee.
SIX ADVISORY WORKSTREAMS
An engagement draws on as many of these as the numbers demand — not the whole catalogue, sold in advance.
Unit Economics Teardown — contribution margin by SKU, channel, geography and customer segment, assembled from your billing and costing data. The output tells you which revenue is worth keeping and which is being bought.
Pricing & Profitability Strategy — price architecture, discount governance and margin protection: floor prices by channel, and approval rules that stop selling below cost to protect a quarterly target.
Cash-Flow Modelling & Forecasting — a thirteen-week rolling cash view for the operating week, plus a thirty-six-month funding and capacity model for the bank.
Cost Optimisation — a line-by-line review of what each cost head actually produces, ranked by rupees recoverable.
Market & Channel Expansion — which city, channel or segment can absorb what you already make, and at what unit economics, before a rupee of expansion spend is committed.
MIS, Board Packs & Investor Reporting — a monthly MIS your lenders read without hesitation, reconciled to the ledger and issued on the same date every month.
FOUR STAGES, IN THIS ORDER
• Diagnose (weeks 1–2) — contribution by SKU, channel and customer; working-capital cycle and cash runway. Deliverable: a ranked list of value leaks, each sized in rupees per year.
• Model (weeks 2–3) — price and volume scenarios, cost-to-serve, funding requirement and repayment capacity. Deliverable: a 13-week cash view and a 36-month model with base, downside and stress cases.
• Fix (weeks 3–6) — pricing floors, cost heads, collection discipline, stock policy. Deliverable: a ninety-day action plan with named owners and a signed-off baseline.
• Scale (ongoing) — city, channel and segment economics, capex payback, hiring against validated demand. Deliverable: a growth case your board can underwrite.
The framework is indicative, not a fixed menu. Scope, sequencing and deliverables are agreed in writing after the first diagnostic call.
THREE WAYS TO WORK WITH US
Diagnostic Sprint (most common starting point) — four to six weeks, fixed scope, fixed fee. We rebuild your unit economics, model your cash, and hand you a ranked action plan with a measurement baseline.
Embedded Advisory — a monthly cadence in which we run the numbers alongside you and stay accountable to the targets. Pricing governance, cost discipline and reporting discipline only hold if somebody is still checking them in month seven.
Board & Investor Pack — a fixed project to raise the quality of your reporting for a fundraise, a bank sanction, a joint venture or a family succession.
BEFORE YOU COMMISSION US
How do your fees work?
Diagnostic Sprints and reporting projects are fixed-fee, quoted after the diagnostic call and confirmed in writing before any work begins. Embedded Advisory is a monthly retainer set against the size of the business — not a percentage of your revenue. We do not take a success fee contingent on a loan being sanctioned.
Does this replace our internal finance team?
No. We are not a replacement for a CFO, a company secretary or an accounts department, and we do not take responsibility for statutory accounts, tax filings or audit. We build the analytical layer a busy finance team rarely has time to construct.
How does this connect with your loans and investments work?
The three desks are one firm and share one set of models. The order matters: fix the economics, then raise capital against the fixed numbers, then invest the surplus.
SEND US TWELVE MONTHS OF NUMBERS. WE WILL TELL YOU WHAT THEY SAY.
A forty-five minute diagnostic call with our growth desk. No charge and no obligation.