Virtual CFO for ceramic & laminate manufacturers
Turn trapped receivables and stock into working liquidity — with a working capital management system, cash projection compared against actuals every week or month, and advice that speaks your industry’s language.
Book a 30-minute financial diagnosticDoes this sound like your unit?
Dealer credit stretching past 180 days
Your money sits with distributors for months — while PNG bills must be paid every 15 days, with disconnection the price of delay.
CC limit sanctioned, but drawing power choked
High trade creditors and debtors aged past 90 days quietly shrink what the bank actually lets you withdraw — a self-inflicted cash crunch.
Energy and chemical prices eating margins
PNG and imported raw material volatility hits your product costing weeks before your accounts catch it.
Month-end surprises
You learn about cash problems after they have happened. By then the options are fewer and costlier.
What our Virtual CFO service covers
Five connected systems, built for how a ceramic or laminate unit actually runs — and operated with you through a fixed reporting rhythm.
Working capital management — system development
Our core strength. We design and install the working capital system itself: credit policy, collection workflow, and stock discipline — so cash, inventory, and receivables stay under continuous control instead of surprising you at month-end.
- Dealer and distributor classification with credit limits and security terms for each tier
- Automated flags before receivables cross the 90-day bank exclusion limit
- Inventory norms (ABC / EOQ) sized to your production cycle
- Written SOPs your own team runs day to day
Cash projection vs actual — weekly or monthly reports
We prepare a rolling cash projection and compare it against your actual figures, reported weekly or monthly as your requirement dictates. Every report comes with advice on what the numbers mean and what to do next — not just a file.
- 13-week rolling cash flow covering wages, gas bills, taxes, and collections
- Projection vs actual variance tracked line by line
- MIS dashboard weekly or monthly — your choice
- Clear action points and advice on every report
Debtors collection & structured recovery
A structured, risk-adjusted collection system that shifts you from relationship-driven credit to disciplined recovery — targeting debtor days under 45 instead of 180-plus.
- Channel financing to convert dealer sales into cash within 24 hours
- MSME Samadhaan route: statutory interest at 3× the RBI bank rate on delayed payments
- Section 138 (cheque bounce) and summary-suit pathways when discipline fails
- Collection notices, reminders, and escalation run on a calendar, not on memory
Drawing power & bank limit optimisation
A sanctioned CC limit means little if the monthly drawing power statement is poorly managed. We keep the DP statement clean so the bank funds what you are actually entitled to.
- Monthly DP statement hygiene: stock, creditors, and debtor ageing reconciled
- Reduce creditor drag on your eligible stock base
- Keep debtors inside the 90-day cover period so they stay bankable
- Structure LC / BG (non-fund) limits without locking 100% cash margins
Costing & margin protection
Absorption costing with weekly variance updates against PNG and chemical prices — so your sales team can reprice in time, and every product’s true margin stays visible.
- Standard costing for mineral blends; yield variance tracked against scrap
- Weighted average cost for bulk chemicals, FIFO for decorative papers
- Capacity utilisation and fixed-overhead absorption monitored monthly
- Product-level margin reports before quoting, not after
What the system is built to deliver
- 180+ → <45
- debtor days the collection system targets
- Weekly
- MIS reporting rhythm — or monthly, as you require
Framework targets drawn from our industry research for Morbi’s ceramic and laminate cluster; actual results depend on each unit’s position.
How we start
Diagnostic
A 30-minute call, then a review of your receivables ageing, stock position, and bank limits.
System build
Credit policy, collection workflow, costing structure, and DP framework set up with your team.
Reporting rhythm
Cash projection vs actual, weekly or monthly — with advice and action points on every report.
Frequently asked questions
What does a virtual CFO service cover?
It covers the forward-looking side of financial control: cash projections, working capital systems, bank limit management, and pricing decisions — the financial control a full-time CFO would provide, without the full-time cost. It runs alongside routine accounting and compliance rather than replacing it.
Are reports weekly or monthly?
Your choice — we set the rhythm as per your requirement. Fast-moving units usually prefer a weekly cash projection vs actual report; others run monthly MIS. Both come with our advice on every report.
Do you only work with ceramic and laminate manufacturers?
That is our specialisation — kiln economics, PNG payment cycles, imported paper and chemical costing, and dealer credit patterns. The same working capital framework also serves other manufacturers in and around Morbi.
What is drawing power optimisation?
Banks recalculate your usable CC limit every month from your stock, creditors, and debtor ageing. Poor ledger hygiene can silently block a large part of your sanctioned limit. We manage the DP statement so the bank funds the maximum you are entitled to.
How do we begin?
Book the 30-minute financial diagnostic through the contact page. We review your receivables ageing, stock, and bank limits, and come back with a clear assessment of where cash is trapped and what we would fix first.