Cash Flow & Working Capital Management
Optimize your liquidity and ensure your business never runs out of fuel.
Service Overview
Comprehensive solutions designed for your unique business challenges.
Empowering
Your Business
Profit is secondary to cash. We help you manage your working capital cycles, optimize inventory and credit terms, and forecast cash flows to ensure you always have liquidity for operations and growth.
Strategic Excellence
Leveraging industry-leading practices for your growth.
Optimizing the Lifeblood of Your Business
Profit is secondary to cash. We help you manage your working capital cycles, optimize inventory and credit terms, and forecast cash flows to ensure you always have liquidity for operations and aggressive growth.
What's Included
Cash Forecasting
Short and long-term projection of cash inflows and outflows.
AR/AP Optimization
Strategies to speed up collections and strategically manage payments.
Inventory Analysis
Reducing capital tied up in slow-moving inventory through better data.
Funding Advisory
Identifying the right working capital facilities or debt instruments when needed.
Common Queries
Everything you need to know about Cash Flow & Working Capital Management
In-Depth Advisory
Cash Flow & Working Capital Management in Gandhinagar, Gujarat
A business can be profitable on paper and still fail — if cash collection lags, inventory grows unsold, or working capital facilities are insufficient to bridge payment cycles. Cash flow management is the discipline of ensuring your business always has enough liquidity to meet operational commitments, service debt, and seize growth opportunities. Morry's Business provides comprehensive cash flow and working capital advisory to businesses across Gandhinagar, Ahmedabad, Gujarat, and pan-India.
13-Week Rolling Cash Flow Model
The 13-week rolling cash flow is the operational tool for managing near-term liquidity. It projects, week by week, all expected cash inflows (customer collections, loan drawdowns, GST refunds) and outflows (vendor payments, salaries, EMIs, tax payments, CAPEX). Updated weekly with actual data, the 13-week model allows management to anticipate cash shortfalls 6–8 weeks in advance — enough time to accelerate collections, defer discretionary payments, or arrange short-term bridge financing. We build and maintain this model for clients under our CFO and accounting supervision engagements.
Receivables Management and Debtor Reduction
Debtor days (DSO — Days Sales Outstanding) is the single most controllable driver of working capital. Reducing DSO from 75 days to 45 days for a ₹10 crore/month revenue business frees ₹3 crore of cash — permanently. We design credit policy frameworks (maximum credit limits by customer category, payment terms by customer size), collection escalation protocols, and monthly debtor ageing review disciplines. Where debt recovery is required, we coordinate with your legal team on legally sound demand notices and debt recovery tribunal filings.
Working Capital Finance and Bank Facilities
Banks offer several working capital instruments: Cash Credit (CC) against inventory and debtors, Bill Discounting for invoice financing, Letter of Credit (LC) for import/export, and Bank Guarantee (BG) for tender bidding. We prepare the CMA data and projected financials required by banks in Gandhinagar, Ahmedabad, and across Gujarat for sanctioning or enhancing working capital limits. We also advise on alternative working capital solutions — NBFC invoice discounting platforms and TReDS (Trade Receivables Discounting System) for MSMEs.
GIFT City Treasury and Multi-Currency Cash Management
IFSC units in GIFT City operate in foreign currencies and face unique treasury challenges: managing FX exposure on multi-currency assets and liabilities, earning treasury income on FCNR deposits, and complying with IFSCA liquidity norms. We provide GIFT City entity treasury advisory — including natural hedging strategies, ECB (External Commercial Borrowing) drawdown planning, and IFSCA-compliant cash and liquidity reporting — as part of our specialised GIFT City practice in Gandhinagar.