At CALCULUS, we help businesses make better financial decisions, access funding, and scale sustainably. Our advisory services are tailored to startups, MSMEs, and growing enterprises seeking financial clarity, investor-readiness, and long-term profitability.
1. 📄 Project Report & CMA Data
What it includes:
- Preparation of bankable project reports and CMA (Credit Monitoring Arrangement) data.
- Includes financial ratios, fund flow, projected P&L, balance sheet, repayment schedules, and promoter background.
- Prepared as per RBI and bank-specific formats.
Why it matters:
- Required for loans, working capital facilities, and government subsidies.
- Helps the lender assess business viability, repayment capacity, and creditworthiness.
Why Choose CALCULUS?
We deliver detailed, well-structured, and banker-friendly documents that increase your chances of loan approval and credit line enhancement.
2. 🏦 Loan Syndication
What it includes:
- End-to-end support in securing:
- Working capital loans
- Term loans
- Project finance
- Cash credit/OD limits
- Coordination with multiple banks/NBFCs to get the best terms.
- Preparation of required financial documentation, business profiles, and follow-ups.
Why it matters:
- Essential for business growth, expansion, or stabilization.
- Professional handling ensures faster approvals and better interest rates.
Why Choose CALCULUS?
With our strong financial network and insight into lender criteria, we help you navigate lending complexities and secure optimal funding solutions.
3. 💰 Valuation Services
What it includes:
- Valuation of:
- Businesses and startups
- Shares and equity
- Assets and intangible property
- Methods used:
- Discounted Cash Flow (DCF)
- Comparable Company Analysis
- Asset-Based Valuation, and more.
- Reports for investors, buy/sell deals, restructuring, or regulatory compliance.
Why it matters:
- Critical for raising capital, issuing shares, M&A, or compliance with Income Tax, FEMA, Companies Act.
- Investors and regulators expect standardized and certified valuations.
Why Choose CALCULUS?
Our team delivers accurate, defensible, and globally accepted valuation reports, backed by financial logic and documentation.
4. 📊 Financial Modelling
What it includes:
- Development of dynamic Excel-based financial models with:
- Revenue & cost projections
- Break-even analysis
- Scenario planning (best/worst/most likely)
- Used for fundraising, feasibility studies, business plans, and strategic decisions.
Why it matters:
- Helps founders and investors evaluate profitability, risks, and returns.
- Invaluable for pitch decks, internal budgeting, and investor queries.
Why Choose CALCULUS?
We build intuitive, investor-ready models that speak numbers clearly—helping you communicate value with confidence.
5. 📋 Virtual CFO Services
What it includes:
- A dedicated financial expert to manage:
- Budgeting & forecasting
- MIS & financial reporting
- Cash flow management
- Compliance calendar
- Investor relations & board reporting
- Ideal for growing startups and MSMEs who can’t hire a full-time CFO yet.
Why it matters:
- Keeps your business financially disciplined, audit-ready, and investor-attractive.
- Helps you make informed financial decisions at every stage.
Why Choose CALCULUS?
Our Virtual CFO model offers top-tier financial guidance at a fraction of the cost—strategic support without long-term overheads.
CALCULUS 