Virtual CFO — Laminate Manufacturers

Finance for a unit that buys in dollars and sells on credit

Laminate manufacturing runs on imported decorative paper and chemicals priced in foreign currency, and sells into a dealer network that pays slowly. Most of the margin is made — or lost — in the gap between those two facts.

Where the cash gets trapped

• Phenol, melamine and imported paper prices move faster than your price list, so a rate agreed last quarter is costed at this quarter’s landed cost.
• Import payments and LC margins fall due well before the dealer receivables that were meant to fund them arrive.
• Long receivable cycles push debtors past the 90-day bank cover period, shrinking drawing power exactly when the next import payment is due.
• Inverted duty leaves accumulated input tax credit sitting with the department instead of in your account.

What we run for you

• Weighted average costing for bulk chemicals and FIFO for decorative papers, so each product’s true margin is visible before you quote rather than after
• Absorption costing with weekly variance updates against chemical and paper prices, giving the sales team time to reprice
• LC and BG (non-fund) limits structured without locking up 100% cash margins
• A 13-week rolling cash flow that puts import commitments and expected collections on the same page
• Structured recovery when credit discipline slips: channel financing, the MSME Samadhaan route for statutory interest on delayed payments, and Section 138 or summary-suit pathways
• Refund of accumulated input tax credit under inverted duty — filed, followed up, and pursued to the account

Reports come weekly or monthly, whichever suits your unit, and every one carries advice and action points rather than just figures.