Suraj Kumar Lohani — Fractional CFO
Free Diagnostic
Planning & Modelling

FP&A — Financial Planning & Analysis

Reporting tells you what happened. FP&A tells you what to plan for. Budgeting, costing, financial modelling and payroll process, built as a system, not a once-a-year spreadsheet.

Finance Blind Spots addressed: Forecasting and decision blind spots. What are Finance Blind Spots? →

The Pain Behind This

“If revenue falls, costs rise or I make this investment, what happens to cash and profit?”

If left as-is: Commitments made without seeing the consequence first — liquidity and profit surprises that show up only after the decision is already made.

What you actually need: Decision confidence — see the consequence on cash and profit before committing, not after.

What It Solves

Planning discipline most businesses never build

BUDGETS

Budgets built once a year and never revisited against actuals.

COSTING

No costing model to know which product, customer or channel actually makes money.

PAYROLL & MODELS

Payroll processed as an admin task, disconnected from workforce planning. No financial model to stress-test a decision before making it.

What's Included

Four disciplines, one connected planning system

Budgeting

Annual/rolling budgets with variance tracking built in

Not a one-time spreadsheet exercise — a living budget checked against actuals as the year runs.

Costing

Product, customer and channel-level costing

Sales going up is not the same as profit going up. A costing model built on BOM, SKU-level P&L and margin variance shows exactly where the profit is actually being made — and where it is quietly leaking out.

Financial Modelling

Scenario models for fundraising, expansion, pricing

Stress-test a capital decision before making it, not after.

Payroll Process

Structured, controlled payroll processing

Part of the finance system — not a side task disconnected from workforce planning.

Also Included

The planning layer goes further than budgeting and costing

FP&A here isn't limited to an annual budget and a costing sheet — it covers the full forward-looking planning cycle.

  • Cash Flow Forecasting — rolling 13-week and monthly cash flow projections, not a static month-end snapshot
  • Rolling Forecasts — the annual budget re-forecast every month/quarter against what's actually happening, not frozen on Day 1
  • Budget vs Actual Variance Analysis — where the business is over or under plan, and why, every cycle
  • Working Capital Planning — receivables, payables and inventory cycles planned together, not in isolation
  • Scenario & Sensitivity Planning — best-case/worst-case modelling for pricing, expansion and fundraising decisions
  • Break-Even & Unit Economics Analysis — what a product, customer or channel needs to hit before it's actually profitable
  • Capex Planning & ROI Analysis — capital spend decisions modelled against payback and return, before the money goes out
  • Sales & Revenue Forecasting — a forward revenue view built from pipeline and trend, not a guess
  • Board & Investor Deck Prep — the planning numbers packaged into a board-ready or investor-ready narrative
Who It's For

Businesses with visibility but no forward-looking discipline

VISIBILITY WITHOUT PLANNING

Businesses that have reporting/visibility (via Periodic MIS & Reporting) but no forward-looking planning discipline.

A DECISION TO MODEL

Businesses making a pricing, expansion or fundraising decision that needs to be modelled, not guessed.

How It Connects to Other Services

Built on the same verified data hub

FP&A builds on the same verified data hub as Periodic MIS & Reporting, and feeds directly into Fractional CFO conversations (board reporting, fundraising) and Strategic Partner planning cycles.

Engagement & Pricing

Project-based for a one-time build, or retainer for ongoing planning

Option 1 · One-Time Model / Costing Build
₹40K – ₹5.5L
$480 – $6,600
one-time

Best for: a specific model, costing build or one-time budget exercise.

Recommended
Option 2 · Ongoing Budgeting & Rolling Forecasts
₹20K – ₹2L
$240 – $2,400
/ month

Best for: businesses that want budgeting and forecasting as an ongoing discipline.

Plan It, Don't Guess It

Book a Consultation around your specific planning problem

Budgeting, costing, a model, payroll — tell us the specific problem and we'll scope the right starting point.

Book a Consultation →

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