Finance
Intermediate
17 min
Owner finance — cash flow, expenses and the questions to ask your CA
The problem
Your P&L shows a profitable quarter. Your bank balance has fallen. You do not know why, and the explanation involves inventory build-up, a lengthening receivables cycle and an advance to a supplier — none of which appears in the P&L.
The workflow
1Build the 13-week grid
2Populate known items
3Estimate the rest
4Update weekly
5Cluster expenses quarterly
6Compute the cycle
7Formulate CA questions
★Act
What you need
Kitchenware D2C, ₹1.4 crore. Opening balance ₹6,80,000.
The tool
Excel or Sheets, updated weekly
The prompt
Subscribers. The full prompt is part of the SMEMinds AI Playbook. See plans.
What comes back
2. THE LOWEST POINT — week 8, closing balance ₹1,40,000.
Verify before you use it
Human review required. Check every line below before this leaves your screen.
- The distributor's 60-day behaviour is the key input. Check the last four payments and use the actual average, not the agreed terms.
- Verify the inventory order timing is genuinely fixed. Splitting it is the cheapest of the four options and should be tested with the supplier first.
- The 67-day working capital cycle deserves a separate conversation. It is the structural issue behind the weekly symptom.
- Send the two CA questions as written. They are precise, which is why they will get a precise answer.