Strategic Finance Leadership for Growth-Ready SMEs

Finance that Fuels Growth.
Strategy that Shapes the Future.

Partnering with CEOs and Founders to unlock clarity, agility, and enterprise value through strategic CFO leadership.

Manufacturing and service businesses across India have the expertise and market opportunity. What they often lack is the financial framework to translate growth potential into sustained profitability. We bridge that gap.

₹1.5Cr+
Working Capital Unlocked
Up to 25%
Margin Improvement Identified
Avg. 12-15%
CAC Reduction Achieved
3+ Yrs
Focused SME Experience
Our Expertise

Strategic CFO Services

End-to-end finance transformation designed for manufacturing and service SMEs ready to scale intelligently.

📊

Fractional CFO Services

Strategic financial leadership tailored to your business needs, providing C-suite expertise without the full-time executive cost. We focus on Indian business realities.

  • Custom MIS for manufacturing & service metrics
  • Working capital optimization for Indian cycles
  • Product/service-line profitability analysis
  • Expansion planning (state-wise tax/regulatory)
  • Bank-ready financial presentations
  • Data-driven pricing strategy development
⚙️

Complete Finance Transformation

Transform your entire finance function from compliance-heavy to strategy-enabled. We implement systems, processes, and controls that scale from startup chaos to enterprise excellence.

  • End-to-end process automation: from purchase requisition to payment, invoice to collection
  • GST-compliant workflow design that minimizes manual intervention and error rates
  • Internal audit framework preparation for future funding or partnership requirements
  • Team training and knowledge transfer to ensure sustainable independent operations
  • ERP selection, implementation, and optimization for manufacturing and service workflows
  • Vendor management and procurement optimization to improve cash flow and reduce costs
📈

Business Intelligence & Strategy

Convert your operational data into strategic advantage. We build analytics frameworks that reveal patterns, identify opportunities, and guide decision-making with Indian market context.

  • Customer profitability analysis accounting for regional variations and payment behaviors
  • Capacity planning and resource optimization for manufacturing and service delivery
  • Market expansion analysis with state-wise opportunity assessment
  • Competitive benchmarking using industry-specific metrics and local market dynamics
  • Scenario planning for seasonal businesses and cyclical industries
  • Investment decision modeling for equipment, technology, and expansion projects
Industry Expertise

Sector-Specific Solutions

Deep expertise in the unique financial challenges and opportunities within manufacturing and service sectors.

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Manufacturing Excellence

Manufacturing SMEs face unique financial challenges like fluctuating raw material costs, capacity utilization bottlenecks, and complex overhead allocations. We provide tailored finance systems that uncover true profitability.

Common Challenges We Solve:

  • Delayed cost allocation and unclear product margins
  • Absence of machine rate/hour data for accurate costing
  • Inventory pileups affecting working capital
  • Poor cash flow management during seasonal cycles

Our Solutions:

  • Detailed product-level profitability analysis
  • Budgeting linked to capacity and production cycles
  • Working capital optimization through inventory controls
  • Manufacturing KPI dashboards and monthly reviews
💼

Service Business Optimization

Service firms such as creative agencies, tech startups, and consultancies often experience margin erosion due to scope creep, mispriced projects, and delayed revenue recognition.

Common Challenges We Solve:

  • Uncontrolled founder spending without visibility
  • Lack of cost center reporting and accountability
  • Unclear resource utilization and billing efficiency
  • Project scope creep affecting profitability

Our Solutions:

  • Client and project profitability dashboards
  • Real-time cash and collections tracking
  • Budgeting integrated with pipeline and hiring plans
  • Cost center analysis and margin modeling
Proven Impact

Client Success Stories

We believe numbers should empower, not confuse. Here are examples of how we've delivered measurable improvements for our clients.

Tech Consultancy

Implemented cost center reporting

Uncovered a key vertical with ~45% margin

D2C Startup

Linked marketing spend to margin tracking

Reduced CAC by over 10% while maintaining revenue

Manufacturing SME

Restructured budgets around capacity

Improved unit margin by ₹15-₹18 per product

What Our Clients Say

"For the first time, finance helps me run the business—not just record it. The visibility we now have has completely changed how we make decisions."

Founder, Apparel Brand

"Reports transformed into real visibility. That changed everything. We now know exactly where our money is coming from and going."

Director, B2B SaaS
Our Methodology

Step-by-Step Engagement Process

Our process is designed for clarity, efficiency, and measurable impact. Every engagement follows our proven 4-step methodology.

1

Discovery Sprint

7-8 weeks

Deep dive into your financial data, tools, and challenges. We analyze your current state and identify immediate opportunities for improvement.

Outcome: Diagnostic insights and quick wins implementation
2

Foundation Fixes

8-10 weeks

Clean, verify, and structure financial data. Establish robust MIS systems, budgeting frameworks, and real-time dashboards.

Outcome: Trustworthy live reporting and data integrity
3

Strategic Layering

Ongoing

Translate financial data into strategic decisions. Implement capital allocation models, cost optimization, and profitability frameworks.

Outcome: Actionable 90-day financial strategy roadmap
4

Monthly Strategic Reviews

Ongoing

Regular check-ins with CXO-level summaries to recalibrate strategies and drive informed decision-making.

Outcome: Real-time adjustments, not after-the-fact reports

Key Tools & Deliverables

  • 📊 Tailored MIS dashboards
  • 💰 Revenue cycle-linked budgeting
  • 🎯 SKU/client/geography profitability analysis
  • 🏢 Cost center reporting frameworks
  • 💸 Cash flow visibility with automated alerts
  • 📈 Strategic KPI tracking and benchmarking
Knowledge Hub

Free Guides & Strategic Insights

Empower your financial decision-making with our curated collection of resources, designed for CXOs and business leaders in growing SMEs.

SME Finance Handbook

A Comprehensive Guide to Financial Management for Small and Medium Enterprises. This handbook provides practical guidance for managing finances effectively in the SME environment.

Download Handbook

Digital Transformation in Finance

For CXOs: Leveraging digital tech for efficiency, data accuracy, and real-time insights. Evolve finance from transactional to a strategic growth partner.

Request Full Guide

From Chaos to Clarity: Scalable Financial Systems

Highlights critical components for building financial systems that evolve with your business, ensuring clarity, control, and agility as you grow.

Request Full Guide

Strategic Cost Management Guide

Learn to develop a disciplined yet dynamic approach to cost management that supports innovation, profitability, and competitive advantage.

Request Full Guide

The Strategic CFO's Guide to Scalable Growth

How CFOs can architect financial systems and processes that empower organizations to grow profitably, manage complexity, and execute sustainably.

Request Full Guide

Unlocking Financial Visibility: Reporting & KPIs

Design and implement reporting structures and Key Performance Indicators that empower executives with truly actionable intelligence.

Request Full Guide

Mastering Cash Flow: Business Sustainability

Essentials of cash flow management, highlighting strategies, tools, and metrics critical for sustaining business health and fueling expansion.

Request Full Guide

The 7 Financial Blind Spots Costing Millions

This executive brief reveals seven high-impact financial blind spots common across industries—along with how to detect and eliminate them.

Request Full Guide
Leadership

Meet the Founder

As a Chartered Accountant, Anika brings three years of professional experience from roles with MNCs and startup consulting firms, where she specialized in SME performance improvement and financial transformation.

During her time at leading consulting firms, she collaborated closely with clients to build robust financial reporting systems, implement effective budgeting processes, and conduct comprehensive profitability analyses, consistently earning client appreciation across diverse industry verticals.

What Sets Cruvo Apart

Cruvo offers an end-to-end finance solution. Beyond just presenting surface-level numbers, the focus is on ensuring data accuracy and integrity—a critical aspect often overlooked. Furthermore, comprehensive training is provided to client accounting teams, empowering businesses with stronger, more autonomous financial management capabilities.

Deep-Dive Methodology

The methodology involves digging deeper to uncover the real financial story. For instance, when assisting an apparel company facing cash flow troubles, a comprehensive system of MIS reviews, budgeting frameworks, and profit analysis was established. This enabled the company to identify precisely where to focus efforts and resources for maximum strategic impact.

Our Operating Principles

  • Implementation over recommendations: We don't just suggest solutions—we build, test, and deploy them.
  • End-to-end accountability: From routine processes to strategic planning, we ensure nothing falls through the cracks.
  • Indian business realities: Solutions designed for the regulatory, cultural, and operational context of Indian SMEs.
  • Manufacturing & services focus: Deep expertise in the cost structures and operational challenges of these core sectors.
  • Scalable from day one: Every system and process built to grow with your business ambitions.

Typical Issues We Resolve

The financial challenges clients face often include messy books, cash flow bottlenecks, unclear profitability metrics, poor cost control mechanisms, and founders not reviewing reports regularly—even if these problems aren't always stated upfront in initial conversations.

Data & Systems

  • Unreliable financial data
  • Manual, error-prone processes
  • Lack of real-time visibility

Strategic Gaps

  • Decisions based on gut feeling
  • No profitability analysis
  • Reactive financial management
Strategic Evaluation

Finance Maturity Assessment

Evaluate how well finance supports strategic decision-making, business agility, and enterprise value creation in your organization. Take our comprehensive assessment designed specifically for CXO-level decision makers.

Get Started

Ready to Build Financial Excellence?

Let's discuss how complete financial transformation can accelerate your manufacturing or service business growth and profitability.

Start the Conversation

Schedule a free 30-minute clarity call—no obligation, just insights tailored to your business challenges.

Book Discovery Call

We blend MNC rigor with startup agility to deliver practical finance solutions tailored for Indian SMEs—so you receive more than reports; you get real results that drive strategic growth.