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CFO for small business · India

CFO Services for Small Businesses that Finally Give You Clarity

You don't need a big finance department. You need to know, every month, whether you made money, where the cash went and what to do next. That's what we give small businesses.

  • Plans from ₹50,000 a month, fixed after a free assessment
  • Free consultation with a senior CFO
  • No cost, no obligation
  • Pay nothing if you don't see value in the first 2 weeks
Since 2006CFO-led100+ clientsPlans from ₹50,000/month
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Sample data for illustration · CFOAvatar by CFOSurge
The short answer

A CFO service for a small Indian business gives the owner what a large company's CFO gives its board: monthly profit and cash numbers they can trust, a view of the next few months' cash, profit by product and customer, help with the bank, and discipline on GST, TDS and PF. For an MSME it also means using the protections MSMEs have, such as the 45-day payment rule and TReDS. CFOSurge scopes the service to the size of the business, with plans from ₹50,000 a month, and adds CFOAvatar so the owner sees the numbers daily.

The owner's view

Five questions every small business owner should be able to answer

  1. Did we make money last month, and how much?
  2. Where is the cash: with customers, in stock or with the bank?
  3. Which products and customers make money, and which don't?
  4. Will we have enough cash in eight weeks' time?
  5. Are GST, TDS and PF paid and filed, without me chasing?

If you can't answer them today, that's normal. Most small businesses we take on can't. Within 90 days, our clients can.

HR services
Soatech is perfect for a company like ours that doesn’t have an in-house Accountant / CFO. They are very professional and do things in a timely matter. They always get right back to you with an answer to your question.
HR GlobalCFOSurge client
Trading & distribution
What truly sets them apart is their ability to dive into the details—cash flow, operations, and compliance—while simultaneously offering strategic insight that supports long-term decision-making. Their guidance has always been practical, thoughtful, and tailored to our specific needs rather than one-size-fits-all solutions.
Karun MathewPartner, Kripa Agencies
Manufacturing
We now prepare monthly business plans that clearly show revenue, costs, and final profit. This has helped us plan better and avoid last-minute surprises.
Ashish ThomasDirector, Hiflo Solders Private Limited

Quoted word for word from our clients. Some quotes use our former name, Soatech.

MSME rights

Use the protections MSMEs already have

If you're a Udyam-registered micro or small enterprise, buyers must pay you within the agreed time, never more than 45 days, and owe compound interest on delays. If they pay you late, buyers get the tax deduction only in the year they actually pay. And if you buy from micro and small suppliers yourself, the same rule applies to you:

MSME 45-day payment rule checkerFormerly Section 43B(h)

Enter the current rates. They change, and only you know your tax position.

Want a CFO to check your MSME exposure? Send us your figures and we'll tell you what they mean for your business.Get a free review
Fees

What it costs a small business

CFOSurge plans start from₹50,000a month

Your fee depends on the size of the business, the number of entities and branches, and how often your CFO meets you. We fix it after a free assessment, in writing, with no long lock-in. If you don't see value in the first two weeks, you don't pay.

Get my fee in a free consultation

Want a CFO to look at your numbers?

A senior CFO reviews your figures with you and shows you where to improve. No cost, no obligation.

60-second check

Do you need a CFO yet?

Do I need a CFO yet?8 questions · 60 seconds

1. Annual turnover

2. When do you see last month's profit?

3. Do you have a bank limit (CC, OD, term loan) or plan to take one?

4. Do you know profit by product, customer or branch?

5. How far ahead can you see your cash?

6. Raising funds, adding a partner, or planning an SME IPO in the next two years?

7. Who handles the bank manager, investors or the board?

8. Are GST, TDS and PF paid on time without you chasing?

Want a CFO to check your answers? Send us your figures and we'll tell you what they mean for your business.Get a free review
FAQs

Questions owners ask us

How much does it cost?

It depends on scope: the size of the business, the number of entities and branches, and how often your CFO meets you. Plans start from ₹50,000 a month. We fix your fee after a free assessment of your business, so you pay only for what you need.

Is a CFO service affordable for a small business?

We scope it to the business. A small business might need a monthly MIS, a cash forecast and a review meeting rather than a full finance team, and the fee reflects that.

We already have a CA. Why do we need a CFO?

Your CA files and audits what has happened. A CFO helps you plan and decide what happens next. We work alongside your CA.

Can you help us get a bank loan?

Yes. We prepare projections, CMA data and the documents banks ask for, and come to the meeting with you.

Prepared by the CFOSurge India CFO team · Last updated 19 October 2026. General information, not advice for your specific situation.

Twenty years of fixing Indian balance sheets. Put it to work on yours.

Book a free consultation. A senior CFO reviews your numbers with you, shows you CFOAvatar, and tells you honestly what your business needs. Plans start from ₹50,000 a month, and we fix your fee after that assessment.

  • Plans from ₹50,000 a month, fixed after a free assessment
  • Free consultation with a senior CFO
  • No cost, no obligation
  • Pay nothing if you don't see value in the first 2 weeks
Sharadd Kuumar, CA, Co-FounderGovindaraju TV, CA, Co-Founder · ex-DeloitteShyamnath G, CA · ex-Tata International, HULRavi Shankar, CA · ex-Asian PaintsRamji Agiwal, FCA · ex-Polycab

You'll speak with a senior CFO from our team, people who have run finance at Tata International, Hindustan Unilever, Asian Paints, Polycab and Deloitte. Meet the team →