Strategic Financial Advisory for Sustainable Business Growth

From Instinct to Insight :

How PGAS & Associates Drove Financial Transformation for a Growing Indian Enterprise

Quick Highlights

Profit Margin Improvement

Boosted profit margins by 4.5% through financial restructuring and cost optimization

Working Capital Optimization

Reduced working capital cycle from 95 to 62 days, unlocking ₹1.2 crore in liquidity

Governance Enhancement

Strengthened governance with monthly MIS dashboards and data-driven decisions

Financial Planning Success

Secured ₹2.5 crore enhanced credit line through improved financial planning

Client Overview & Requirement

Our client, a mid-sized Indian enterprise in the organic food and export sector, had grown rapidly over the last few years.
While revenues were rising, profitability and cash flow were inconsistent, largely due to rising costs, delayed receivables, and absence of structured financial planning.

The management sought PGAS & Associates to bring strategic clarity and financial discipline — with the aim to:

Optimize working capital and cost efficiency
Strengthen financial decision-making with data-backed insights
Build a roadmap for sustainable and scalable business growth

Challenges Identified

During PGAS’s initial review, several critical pain points surfaced.

The client needed structured financial controls, actionable insights, and long-term funding strategy — not just short-term fixes.

Lack of Forecasting

No budgeting or forecasting mechanism — decisions were instinct-driven

Receivables Pressure

Liquidity pressure from a 90+ day receivable cycle

Cost Management Gap

High overheads with no cost accountability

Underutilized Debt Capacity

Under-leveraged debt capacity and weak MIS reporting

PGAS & Associates’ Approach

PGAS & Associates designed a customized financial advisory framework combining analytics, process improvement, and capital restructuring.

01

Financial Health & Performance Review

Analyzed revenue, expenses, and cash flows to identify cost leakages and non-performing cost centers.

02

Budgeting & Forecasting System

Introduced department-level budgets, rolling forecasts, and performance tracking for financial visibility.

03

Working Capital & Cost Optimization

Redefined credit policies, streamlined collections, and renegotiated vendor terms — improving liquidity by ₹1.2 crore.

04

Debt & Funding Strategy

Advised management on working capital enhancement and term loan restructuring — securing ₹2.5 crore in additional credit.

05

Governance & MIS Framework

Implemented monthly MIS dashboards and periodic board-level reviews to institutionalize data-driven decisions.

Results & Impact

Within nine months, the company transformed from reactive management to strategic financial control, improving both profitability and business agility.

Parameter	Before PGAS	After PGAS	Impact
Profit Margin	8.2%	12.7%	📈 +4.5% Improvement
Working Capital Cycle	95 Days	62 Days	💰 Improved Liquidity
Overheads	High / Uncontrolled	Budgeted & Monitored	₹75 Lakh Annual Savings
Funding Access	Limited	Enhanced Credit Line	+₹2.5 Crore
Management Reporting	None	Monthly Dashboards	✅ Data-Driven Decisions

Client Feedback

PGAS & Associates helped us look beyond numbers. Their advisory transformed how we plan, spend, and make financial decisions. We now operate with structure, clarity, and control — not assumptions.”

— Managing Director, Leading Organic Products Manufacturer

The Value of Scalable Accounting Solutions

Financial advisory isn’t just about cost-cutting — it’s about creating a financial roadmap for sustainable success.

Through this engagement, PGAS & Associates helped the client. PGAS & Associates — Turning Financial Insight into Sustainable Business Growth.

Insight-Driven Decisions

Shift from instinct-driven to insight-driven decision-making

Liquidity & Profit Boost

Unlock hidden liquidity and improve profit margins

Financial Discipline

Build long-term financial discipline and investor confidence