You know what you sold. Do you know what each product earned?
A durables business sells many models through many channels: dealers, projects, online and service contracts. Each carries different margins, schemes, freight, installation and warranty costs. Overall profit can look healthy while some models and regions lose money every year.
That's exactly what an air-conditioning sales and service client asked us to fix:
Working with CFOSurge has truly transformed how we look at our business finances. They helped us set up monthly business plans right down to the bottom line, which has given us so much more clarity and control. Highly recommend them to any business looking to get a real grip on their numbers!
Thanks to CFOSurge, we now know exactly what each product contributes to our bottom line. Our sales team operates with clear geography-wise data, our accounts are well-maintained, statutory payments are handled systematically, and our inventory is finally accurate. They didn't just fix our books—they helped us plan for growth.
Quoted word for word from our clients. Some quotes use our former name, Soatech.
Follow ₹40 crore of sales through a typical AC dealer and service company
Here is the cash cycle of an illustrative air-conditioning sales, projects and service business:
At ₹40 crore of sales a year, 80 days means about ₹8.8 crore is permanently tied up in the cycle. That is what your bank limit and your own capital are really funding. Collect project dues 15 days sooner and about ₹1.6 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 HVAC and durables
Seasonal stock and funding
Stock has to be bought months before summer. We plan pre-season purchases and the bank limit together.
Dealer and installer credit
Dealers and installers stretch payment in slow months. We set limits, tie schemes to payment and track ageing weekly.
Warranty and service cost
Warranty claims and free service arrive long after the sale. We provide for them and include them in product margin.
Profit by product and region
Some models, regions or channels lose money. We show contribution by each, every month.
Project business
Commercial HVAC projects bring retention, milestone billing and long approvals. We cost each project and chase every bill.
Software that doesn't give the details
Many businesses run on software that records sales but can't show margin. We fine-tune the reports, as we did with one client's system, to get micro-level detail.
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 clarity to a durables business
Monthly business plans to the bottom line
Revenue, cost and profit planned and reviewed every month.
Product, region and channel profitability
Contribution after schemes, freight, installation and warranty.
Receivables discipline
Dealer and project ageing, followed up weekly.
Seasonal planning
Stock, staff and bank limits planned around the season.
Bank and valuation support
Loan papers and business valuation when you need them.
Check your own numbers
Build a 13-week view of your pre-season cash:
Ask CFOAvatar about your products and dealers
What clients say
Some of the businesses we work with.
They even worked with us to finetune our software (Gross Mart) so we could get micro-level details on various aspects of the business. On top of that, they streamlined our receivables follow-up process and provided valuable guidance on bank loans and valuations.
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.
Quoted word for word from our clients. Some quotes use our former name, Soatech.
Questions owners ask us
How should an AC business plan for summer?
Forecast the season's sales by model, buy stock in stages against the forecast, arrange a seasonal bank limit in advance, and set dealer credit limits before the peak.
Can you work with our existing billing software?
Yes. We worked with Lakshmi Aircons to fine-tune their software so it shows micro-level details, and CFOAvatar connects to most systems.
Do you help with bank loans and valuations?
Yes. We prepare loan papers and projections, and support business valuations.
