Everyone trusts each other. Nobody knows the full picture.
Family groups are built on trust, and that's their strength. But as the group grows into several entities, trust replaces systems: money moves between companies without paperwork, one entity funds another, and the family's own spending runs through the business. The group can be profitable and still have no clear answer to "what is each business really worth?"
The chairman of one family group put it plainly:
Before CFOSurge came into the picture, our business lacked financial discipline. Once their team started overseeing our finances, everything fell into place. There was accountability and when you know someone is keeping track, you ensure things get done properly. It’s been three years and the systems they put in place are still working well. Our business is in a much better position today.
Quoted word for word from our clients. Some quotes use our former name, Soatech.
Follow ₹120 crore of group sales across three family companies
Here is the combined cash cycle of an illustrative group: a manufacturer, a trading company and a property-holding company:
At ₹120 crore of sales a year, 85 days means about ₹27.9 crore is permanently tied up in the cycle. That is what your bank limit and your own capital are really funding. Settle the inter-company balances and about ₹6.6 crore comes back, with no new loan and no new customer.
Illustrative composite figures, not a client's. Your own cycle comes straight from your balance sheet: stock, receivables and payables, each divided by a day's sales or purchases.
Six money problems specific to family groups
Inter-company and related-party balances
Loans and sales between group entities need documentation, approvals and monthly reconciliation. We make sure they have all three.
Promoter money in and out
Unsecured loans from family, withdrawals and guarantees should be on a clear, documented footing. We set it up with your CA.
Family spending through the business
Household costs in the company confuse the numbers and create tax risk. We separate them with a clear policy.
No consolidated view
Each entity has its own books, but no one sees the group. We build a consolidated MIS.
Accountability
When everyone is family, no one is accountable for the numbers. We introduce monthly reviews and owners for each target.
The next generation
Succession needs clear numbers, roles and a plan. We help families prepare the business for the handover.
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.
How we bring discipline to a family group
A group map
Every entity, its business, its owners and the money between them.
A consolidated MIS
Each entity and the group, every month.
Monthly inter-company reconciliation
Balances agreed and documented.
A promoter and family money policy
Loans, withdrawals and spending, clearly defined.
Governance and succession
Reviews, accountability and a handover plan.
Check your own numbers
See what the group's bank limit really supports:
Ask CFOAvatar about your group
What clients say
Some of the businesses we work with.
The founders were consistently hands-on and always available for a call or conversation whenever clarity or direction was needed. That level of accessibility, combined with their integrity and absolute character in execution, built a level of trust that is rare in professional services.
They have facilitated us in putting both process and financial systems in place as well as take some very difficult but required decisions. We are indeed pleased to record our appreciation of their individualized, friendly and timely support in our activities during the course of their association.
Quoted word for word from our clients. Some quotes use our former name, Soatech.
Questions owners ask us
How do you handle loans between group companies?
We document each loan, check approvals and related-party rules with your CA, reconcile balances every month, and settle or formalise long-standing balances.
Can you help separate family and business money?
Yes. We write a clear policy for promoter pay, withdrawals and spending, set up separate accounts and keep the business's books clean.
Do you help with succession planning?
Yes, on the finance side: clear numbers for each business, roles and accountability, valuation support and a handover plan, working with your legal and tax advisers.
