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Swati K & Co. Chartered Accountants ICAI FRN 021392S

Projections / Business Plans

Three-statement financial models for fundraising, business planning and lender submissions — with sensitivity analysis, scenario stacks and a written investor / promoter narrative. Built to survive scrutiny.

What we build

The structured deliverable

A structured business plan deliverable typically includes:

  • Three-statement model — integrated P&L, balance sheet and cash flow over a 3–7 year horizon.
  • Bottom-up revenue build — volume × price × mix, with cohort assumptions and ramp logic.
  • Cost build — variable, fixed, growth-step costs.
  • Working-capital schedule — DSO, DIO, DPO assumptions tied to growth.
  • Capex schedule — depreciation, replacement cycle.
  • Funding plan — equity, debt, government schemes; round-by-round dilution.
  • Sensitivity table — revenue, margin, cash burn under upside / base / downside.
  • Scenario stacks — aggressive growth, defensive, exit-ready.
  • Investor narrative — a written deck / memo explaining the model.
Who needs this

The use cases we build for

Founders preparing for fundraising (seed, Series A, growth, pre-IPO); promoters submitting business plans for term loans / project finance; companies seeking government scheme approvals; family businesses planning generational succession; M&A targets preparing for sale-process diligence.

What separates a credible model

Built to survive investor scrutiny

Our models are built to survive investor scrutiny:

  • No circular references that aren’t supposed to be there. We use iterative debt sizing where the model legitimately needs it.
  • Bottom-up revenue, not top-down. Each unit, segment, cohort builds up to the total.
  • Working capital tied to operating drivers, not flat percentages.
  • Capex tied to capacity, with depreciation flowing automatically.
  • Tax computation explicit — current / deferred tax, MAT credit, carry-forward.
  • Documentation — assumptions on the cover sheet, methodology in a separate tab, change log.
  • Audit trail — cell colours by source (input / formula / link), no hidden inputs.
How we work

From discovery to defence rehearsal

  • Discovery — understand the use case, audience, decisions to be made.
  • Driver mapping — the 5–10 KPIs that drive the business.
  • Model build — structured tabs, transparent formulas, scenario switches.
  • Internal review — partner-led, with formal model-audit checklist.
  • Iteration with founder / management on key assumptions.
  • Investor narrative — deck or memo to accompany the model.
  • Defence rehearsal — we mock the investor / lender questions and prepare responses.
Deliverables

What you receive

  • Three-statement model in Excel (assumption sheet, P&L, BS, CF, debt, cap-table).
  • Sensitivity and scenario tabs.
  • Pitch deck or business plan memo (PowerPoint / PDF).
  • Investor Q&A document.
  • One round of model revisions post initial review.
Timeline & fees

How long & how we charge

Standard project: 4–6 weeks. Compressed timelines for time-sensitive fundraising or NCLT submissions: 2–3 weeks. Fixed-fee, scoped on the discovery call.

FAQ

Common questions on projections & business plans

Do you take a success fee on the fundraise?

Not as a default. Our fee is fixed for the model + narrative work. Some engagements include a milestone fee on closing, structured separately.

Can the model integrate with our existing accounting system?

Yes. Historical actuals can pull from Zoho / QuickBooks / Tally exports. Forward periods are model-driven. We update with actuals monthly if retained for ongoing MIS.

Will you defend the model in investor meetings?

Yes — partner attends the diligence call (in person or video) and walks through assumptions, sensitivities, and the forward-burn / runway logic.

What’s the difference between a business plan and projections?

Business plan is qualitative + quantitative. Projections is the quantitative model. We deliver both as one bundle for fundraising; just the model for internal-use cases.

Ready when you are

Talk to a partner.

A 30-minute call with a partner — no deck, no follow-up email blasts. Just a read on whether we’re the right team to build your business plan and financial model.