Suraj Kumar Lohani — Fractional CFO
Free Diagnostic
Global Fractional CFO · Monthly Retainer

Fractional CFO — also called Virtual CFO, Part-Time CFO, Interim CFO or Outsourced Finance Consultant

Not a tool. Not a report. A CFO. Senior finance leadership without a full-time hire, owning cash, profit, working capital and risk, and standing with you in board meetings, lender conversations and funding discussions. For businesses in India and abroad.

Finance Blind Spots addressed: Cash, profit, working capital and risk blind spots: finds them and acts on them. What are Finance Blind Spots? →

The Pain Behind This

“We are making important growth or capital decisions without seeing the full financial impact.”

If left as-is: Poor capital allocation, weak investor readiness, under- or over-investment, and uncertainty going into any transaction.

What you actually need: Capital & strategic decision support — a senior finance voice in the room before the commitment is made, not after.

What It Solves

Decisions that need a senior finance mind in the room — not just the numbers

The moments a growing business needs someone who can represent finance credibly, not just report on it.

THE PROBLEM

Board meetings, lender conversations and fundraising rounds with no one to represent the finance function credibly.

THE GAP

A growing business that has outgrown its accountant but can't yet justify a full-time CFO salary.

THE RESULT

Decisions get made without the senior finance judgment that should be shaping them.

What We Bring

A CFO who owns the numbers, the planning and the risk

  • Cash, profit and working capital — weekly CFO calls on where cash stands, where it is stuck and what to decide next
  • FP&A — budgets, rolling forecasts, costing and scenario planning that show the consequence of a decision before it is made
  • Independent challenge — forensic review of variances, leakage and controls, so the numbers can be trusted
  • Board, lender and investor support — board-ready analysis and investor-ready numbers and narrative; the focus is the finance, not sourcing investors
  • Reliable finance systems — MIS, dashboards and automation (Excel, Power BI, AI, n8n) built so the CFO view is accurate and on time
  • Business-OS reviews — the 5-Layer, 17-Stage framework to turn a recurring pain into a permanent fix
Who It's For

Finance leadership for businesses that have outgrown their accountant

  • Owners, MDs and directors who need a senior finance voice but cannot yet justify a full-time CFO
  • Growing and established businesses with cash, margin or control concerns that reports alone are not explaining
  • Companies preparing to raise funds, borrow or face due diligence, who need clean and defensible numbers
  • Businesses already on Periodic MIS & Reporting that now need a senior finance voice for high-stakes decisions
  • Businesses outside India that want a remote finance lead, with local specialists brought in wherever the law requires
Also Known As

Virtual CFO, Part-Time CFO, Interim CFO, Outsourced Finance Consultant

Same role, different names businesses search for. See why this works, and for whom →

Engagement & Pricing

Monthly retainer, scoped to your business

Recommended
Setup + Fractional CFO
₹15K – ₹2.5L+
$180 – $3,000+
/ month

Best for: strategic growth, board/investor meetings, CFO-level decision guidance.

  • We provide: all periodic reports + weekly CFO strategy calls + monthly board-ready analysis + quarterly strategic planning.
Talk It Through First

See if a senior finance voice is what your business needs right now

A short consultation call — no pitch deck, no pressure. We look at where your business stands and whether Fractional CFO is the right place to start.

Book a Consultation →

Or start the Free Diagnostic →

Illustrations From The Practice

The kind of problem, and the number it moved

D2C brand, six channels
Rs.28 lakh
working capital freed. The channel about to be shut turned out to be the 2nd most profitable; MIS moved from Day 22 to Day 5.
E-commerce company
Rs.37 lakh
of leakage identified in one audit cycle. Returns marked received with no stock; the manager admitted to Rs.1.25 crore over three years.
UAE trading group
AED 380,000
working capital released; cash cycle shortened by 26 days.
Singapore multi-entity group
SGD 280,000
intercompany balances resolved; consolidation cut from 21 days to 5.
Saudi project business
SAR 1.4M
cash crunch seen 8 weeks ahead, with no payment delay.
Australian multi-branch business
AUD 134,000
of hidden branch losses surfaced and restructured.
EV battery manufacturer
USD 5M
Series A: investor-grade model, dual plant, eight product lines.
Export manufacturer
Rs.12 lakh
external spend avoided: the MIS system was built in-house in days, replacing a plan for six consultants.

Client names and identifying details are never shared. The numbers are real and are shown as illustrations of the kind of problem solved.

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