Excel First. Then Everything Else.

Services & Product Architecture

From 22+ years of Excel and MIS work, to finding what's leaking, to delivering it as clarity every morning — one connected system, five ways to engage with it.

Excel Power BI Power Query Python SQL n8n
22+ Years. The Foundation Everything Else Is Built On.

Excel & Power BI Automation is the core. AP, AR, Inventory and Cash Flow automation is the specialization.

Every product below — Finance OS, 7AM & Realtime CFO™, the Full Package — is built on top of this. It's where the 22+ years and the biggest client wins actually come from.

Core · Widest Door

Finance Dashboards & Analytics

Excel (VBA, Power Query, Power Pivot), Power BI, Google Sheets, Tableau — custom dashboards, MIS, and reporting systems built and automated end-to-end. 20+ projects completed.

  • Manual month-end replaced by an Excel engine — trial balance in, statements out in under an hour
  • Static PDF packs replaced by live Power BI dashboards with AI commentary
  • MIS turnaround compressed from Day 22 to Day 5

Excel Resources →  ·  Power BI Dashboards →

Core · Specialization

AP, AR, Inventory & Cash Flow Automation

Whole-organisation finance automation — accounts payable, accounts receivable, inventory control and cash flow, built in Python and SQL for the heavier data pipelines and Excel/Power Query where a spreadsheet-native workflow fits best, so the numbers move without someone re-keying them every month.

  • Receivable ageing and DSO brought under real-time control
  • Inventory ageing, reorder points and dead-stock write-downs systemized
  • Rolling cash flow forecasts, not static month-end snapshots

Python & SQL →  ·  No-Code Automation →

Product Hierarchy

Five products. One connected finance architecture.

Each layer builds on the one before it — start wherever your business needs clarity first.

Product 1 · One-Time Setup

Finance OS — Backend. Finds What's Leaking.

Finance OS doesn't just connect your data. Built on Excel, Power Query and SQL pipelines under the hood, it finds fraud hiding in the last layer, margin bleeding by product and channel, and cash trapped in the working capital cycle. System built. Leakage found. Decision ready.

WHAT IT SOLVES

Data in 4 disconnected systems. MIS arriving 15–22 days late. Manual reconciliation errors. No single version of truth.

WHAT WE BUILD

Single automated data hub. Daily automated reporting layer. System-to-physical reconciliation. Clean, verified, trusted data.

WHO IT'S FOR

Inventory businesses ₹5Cr+. Multi-location, multi-entity. Founders needing control. Growing businesses scaling fast.

Product 2 · Flagship · Monthly Retainer

7AM & Realtime CFO™ — Frontend. Your CFO Works Two Ways.

Indisciplined data — scattered across ERPs, custom software, PDFs, WhatsApp, Excel, emails, drives, departments, branches, entities, currencies and countries. All of it consolidated, verified, analyzed, and delivered as one message on your preferred channel.

WhatsAppEmailSlackTelegramMS TeamsGoogle Chat

No dashboard. No Excel. No waiting for your accountant. Just your CFO — before your first meeting. Need it mid-day? Type CURRENT. Same One Page News within 10 minutes.

Product 3 · Weekly + On Demand

Full Report + Dashboard + CFO Commentary

When you need the full picture, not just today's decision — every number, every variance, every trend, delivered as a live Power BI dashboard with a full CFO narrative: what happened, why it happened, what to do next. Not a static report. A living view of your business.

Product 4 · Monthly Retainer · Optional Layer

Fractional CFO — Senior Finance Leadership

Not a tool. Not a report. A CFO. Strategic decisions, investor conversations, board presentations, lender relationships, fundraising support, business OS reviews — the thinking partner your business needs before it can afford a full-time CFO.

WHAT IT SOLVES

Decisions that need a senior finance mind in the room — not just the numbers, but what to do about them.

WHAT WE BRING

Strategic input on fundraising, board reporting, lender relationships and business-OS decisions, layered on top of your existing daily visibility.

WHO IT'S FOR

Businesses already running on 7AM & Realtime CFO™ who now also need a senior finance voice for high-stakes conversations — not a replacement for daily clarity, an addition to it.

Also known as a Virtual CFO, Part-Time CFO, Interim CFO or Outsourced Finance Consultant — different names, same idea: senior finance leadership without a full-time hire. See why this works, and for whom →

Product 5 · Complete Architecture

Full Package — P1 + P2 + P3 + P4

The complete system. Every layer. One engagement. Finance OS finds the leakage, 7AM & Realtime CFO™ delivers daily clarity, the Full Report gives you the weekly deep-dive, and Fractional CFO gives you the senior partner in the room. Custom pricing based on business size, data complexity and engagement scope.

Not Either/Or

7AM & Realtime CFO™ vs. Fractional CFO — different jobs, same system

One is the daily engine every business here runs on. The other is an optional senior voice you add when the stakes call for it. Most businesses need only the first. Some add the second.

7AM & Realtime CFO™ — The Flagship

Daily clarity, every business needs this.

  • Runs every single day — 7AM Automatic, or CURRENT on your command
  • Cash, variance, inventory and working capital — the numbers, verified
  • Delivered on WhatsApp, Email, Slack, Telegram or Teams — no dashboard login
  • Monthly retainer, scales with your business from day one
Fractional CFO — The Optional Layer

Senior judgment, added when the stakes are higher.

  • Engaged as needed — fundraising rounds, board meetings, lender talks
  • Interprets what the daily numbers mean for a specific high-stakes decision
  • A person in the room, not a message on a channel
  • Built on top of 7AM's daily visibility — not a substitute for it

Start with 7AM & Realtime CFO™. Add Fractional CFO only when a specific decision genuinely needs a senior finance mind in the room.

Built For Where You Are

CFO services for startups. CFO services for established companies.

Same finance discipline, applied differently depending on whether you're building the finance function from zero, or fixing one that's already carrying real weight.

CFO Services for Startups

Build the finance function before it becomes a fire.

Early-stage and growth-stage businesses rarely have a finance function yet — just an accountant closing books in Excel, and a founder guessing the rest. This is about putting the basic architecture — usually an Excel or Power BI-led MIS to start — in place before it's forced on you by a bad month.

  • Basic MIS and cash visibility from day one, not after a crisis
  • Investor-ready numbers before you're asked for them
  • Right-sized controls — enough structure, without slowing you down
CFO Services for Established Companies

Fix what scale already broke.

Established, multi-location or multi-entity businesses usually have a finance function — just one still leaning on manual Excel consolidation, slower and less trustworthy than the business has outgrown. This is about finding where it's leaking and re-architecting it with Power BI, Power Query and n8n-driven automation, without disrupting operations.

  • Diagnostic first — find where the visibility gap actually is
  • Automation layered onto existing ERP, not a rip-and-replace
  • Fraud and leakage review using the Last Layer Approach™
Built For Your Industry

Same system. Industry-specific gaps.

Inventory-driven businesses share a shape, but the leaks look different by industry. Here's where it hides in yours.

Textile & Export Manufacturing
Job-work leakage, yarn/fabric ageing, export contract mispricing.
See the Textile CFO page →
FMCG & Distribution
Scheme and margin leakage, expiry-driven inventory, returns fraud.
See the FMCG CFO page →
Pharma, Healthcare & Hospital
Batch/expiry risk, distributor credit stretch, TPA reimbursement delays.
See the Pharma CFO page →
Real Estate
Project-wise cash blindspots, unsold inventory ageing, cost overruns.
See the Real Estate CFO page →
Trading & Import-Export
FX exposure, LC/credit-term slippage, in-transit inventory risk.
See the Trading CFO page →
Retail & Multi-Store
Store-wise P&L blindspots, shrinkage, thin SKU-level margins.
See the Retail CFO page →
Franchise (MBO / COCO / FOCO)
Multi-model consolidation, royalty leakage, unit economics drift.
See the Franchise CFO page →
Services & Consulting
Utilization blindspots, project profitability lag, milestone receivables.
See the Services CFO page →
Consultation

Talk it through before you commit to anything

A short consultation call — no pitch deck, no pressure. We look at where your business actually stands and whether a diagnostic, a full Finance OS build, or a Fractional CFO engagement is the right place to start.

Book a Consultation →
Two Layers, One System

The Strategy layer finds the money. The Last Layer™ finds the leak.

Most finance audits start and stop at the top — P&L, trial balance, system records. Strategy work (Financial Diagnostic & Control Architecture) fixes what the numbers reveal. The Last Layer Approach™ goes below that, to the warehouse floor, the security guard, the delivery rider, the office boy who handled the physical document. Fraud does not live in boardrooms. It lives in the gap between what the system records and what the last layer knows.

Strategy Layer
₹200Cr+ / $20M+
saved and variance corrected through Financial Diagnostic & Control Architecture, before a single rupee of fraud is even in question.
Last Layer™
₹40–50Cr+ / $4–5M+
in fraud caught since 2009, by going past the system record to the last layer of physical reality.
Rakshak Mode

Financial protection, visibility and anomaly detection — built in.

7AM & Realtime CFO™ is not just a report. Every report passes through a protection layer before it ever reaches the founder.

Trust Score

Data confidence rating for each entity before report generation. "Data Confidence: 84% — UAE entity sync pending."

Flag, Not Judgment

Anomalies are flagged for review, never overclaimed. "Unusual variance pattern — review needed," never "Fraud detected."

Risk Intelligence

Anomaly detection, leakage indicators, cash flow warnings built in. Inventory shrinkage spikes, DSO threshold crossings, margin compression signals.

CURRENT Trigger

On-demand mid-day report. Type CURRENT anytime. Instant update. No calls. No waiting.

Data First. AI Second.

AI touches your data only after every check passes.

1

Data In

ERP + Excel + WhatsApp + PDF + Drives + Email + API sources — pulled from wherever your business actually keeps its numbers.

2

Rakshak Mode

A 12-layer check runs first — data confidence score, anomaly detection, flag generation. AI is not allowed in until this passes.

3

AI — Claude API

AI touches data only after all 12 Rakshak checks pass. CFO-level commentary, written in the owner's language, not a developer's.

4

Today's Decision

Delivered at 7AM on your chosen channel. Cash. Variance. Working Capital. Decision. Done.

Data First. Rakshak Second. AI Third. — One Page Financial News, every morning at 7AM.

How We Build It

From first call to go-live — a 9-stage implementation roadmap

Every engagement follows the same disciplined build sequence — nothing skipped, everything documented, so you know exactly where your system stands at every stage.

🔍
1

Discovery & Analysis

Business discovery, data mapping, requirements gathering and architecture planning.

    Deliverables
  • Requirements Doc
  • Architecture Diagram
  • Project Timeline
⚙️
2

System Configuration

Configure the automation engine — Power Automate, n8n or Python scripts depending on the integration — validation rules and monitoring.

    Deliverables
  • Configured Workflows
  • Integrations Setup
  • Validation Rules
🔗
3

ERP & Accounting Integration

Connect ERP / accounting systems via Power Query or SQL and automate journal workflows.

    Deliverables
  • ERP Integration
  • Master Data Setup
  • Automated Entries
📊
4

Reporting & Extraction

Extract financial and operational data using SQL and Python for analysis and reporting.

    Deliverables
  • Financial Data Extract
  • Operational Metrics
  • Data Quality Check
🧠
5

AI Analysis Engine

AI converts raw data into insights, flags and actionable recommendations.

    Deliverables
  • AI Insights
  • Variance & Flags
  • Recommendations
📄
6

Report Generation

Generate branded one-page reports with key business metrics.

    Deliverables
  • One Page Report
  • PDF & Excel Export
  • Report Templates
📲
7

Delivery Setup

Configure 7AM delivery and CURRENT realtime access channels (WhatsApp, Email, Dashboard, etc.).

    Deliverables
  • 7AM Delivery Live
  • CURRENT Access Live
  • Channel Integration
8

Testing & Training

Validate workflows and train users for smooth adoption and accuracy.

    Deliverables
  • UAT Sign-off
  • User Training
  • Documentation
🚀
9

Launch & Handover

Go-live deployment, knowledge transfer and post-launch support.

    Deliverables
  • Go-live Confirmation
  • Handover Docs
  • Post-launch Support
Service Options: After Setup

Choose how much of the ongoing work you want us to carry

Option 1 · One-Time Setup Only
₹40K – ₹5.5L
$480 – $6,600
one-time

Best for: teams with strong internal capability to manage the system independently.

  • After setup, you own the system completely and manage all operations yourself.
Option 2 · Setup + Monthly Retainer
₹20K – ₹2L
$240 – $2,400
/ month

Best for: peace of mind and system reliability without operational burden.

  • We handle: daily monitoring, bug fixes, optimization, email/phone support, ongoing maintenance.
  • Perfect for hands-off operation.
Pricing is indicative and may vary based on the number of data sources, business complexity, industry requirements, customization needs and integration scope.
All prices are indicative and subject to final scope assessment.
Implementation timelines may vary depending on data availability and system readiness.
Custom integrations (ERP, APIs, BI tools and third-party systems) may involve additional charges.
Shikha Kutariyar Lohani

Shikha Kutariyar Lohani

Partner · Excel & Power BI Developer

Excel, Power BI & Automation Services

Businesses run on data. Most teams spend more time managing it than understanding it.

Excel and Power BI reporting systems, layered with AI-powered automation and structured workflows, so your team spends its time on decisions — not on re-keying numbers.

  • MIS, dynamic dashboards & data analytics
  • AI workflow automation
  • SOP & process design
  • Business operations analysis
Additional Services · Facilitated via Our CA & CS Network

Beyond finance automation — the full compliance stack, coordinated for you.

These sit alongside the core finance automation work — facilitated through our trusted CA and CS partner network, so you get one point of coordination instead of five separate vendors.

Facilitated

Bookkeeping Automation

Xero, QBO, Zoho, Tally — day-to-day bookkeeping set up and automated, so entries don't pile up for month-end.

Facilitated

Bookkeeping, Tax & Audit

Statutory bookkeeping, tax filing and audit support, coordinated through our CA network — one point of contact.

Facilitated

Company Registration

New entity setup, ROC compliance and secretarial filings, coordinated through our CS network.

Facilitated

Business Automation

Beyond finance — SOPs, workflow automation and process design across other functions of the business.

Facilitated

MIS Services

Standalone MIS setup and reporting for businesses that need it delivered on its own, outside the full 7AM system.

Not Sure Which Layer You Need?

Start with the free diagnostic — it tells you

Cash, inventory, costing or controls — the diagnostic ranks where your biggest visibility gap actually is, so you engage at the right layer, not the most expensive one.

Start the Free Diagnostic →

📄 Download the Company Profile (PDF) →

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