Advisory · Financial and risk
Budgets, risks, controls and restructuring, worked through with your CA.
Advisers who help you plan the money, find the risks that could hurt a deal or a lender relationship, and put controls in place that an investor or buyer will trust.
When clients call us
The moments this practice is for
Clients usually call when an outsider is about to look closely: an investor's diligence team, a bank reviewing a larger limit, or a buyer's accountants. Others call when cash is tight and they need a credible plan before talking to lenders, or when a group with entities in more than one country needs its intercompany pricing explained.
What we do
Services in financial and risk, scoped in writing.
Corporate finance and budgeting
An annual budget and a rolling cash forecast built from your ledgers, with a monthly review of actuals against plan. Simple enough that your accounts team can keep it up.
Enterprise risk assessment
A register of the risks that matter, such as customer concentration, key person dependence, licence renewals and supplier contracts, each with a likelihood, an owner and what is being done about it.
Tax strategy and regulatory compliance
We work with your CA to review how the business is set up for Income Tax and GST, what a deal or restructuring changes, and which filings and approvals need watching. Your CA signs off; we make sure the questions are asked early.
Financial restructuring and turnaround
When debt or losses are squeezing the business: a frank view of the position, a thirteen week cash plan, options for the balance sheet and support in talks with banks and creditors.
Legal and contract risk
A read through of your important contracts, such as customer agreements, leases, distributor terms and loan covenants, to flag change of control clauses, unlimited liabilities and missing documents. Your lawyer advises on remedies.
Internal controls and governance
Approval limits, segregation of duties, related party transactions, board minutes and statutory registers. Transfer pricing and cross border finance questions are handled with your CA where the group has overseas entities.
On Synerger
You see the work as it happens
Every financial and risk engagement runs in a Synerger workspace you can open at any time: the documents, the open questions, the decisions and the next milestone.
Q&A: Factory lease, Nashik
Buyer's counsel: Does the lease need the landlord's consent on a change in shareholding?
Question routed to the seller's company secretary. Due 14 Oct 2026.
Company secretary: Yes, clause 14 needs written consent. Draft consent letter uploaded to Legal / Leases.
Answer logged. Question marked answered by buyer's counsel on 09 Oct 2026.
How we work
Four steps, written into the scope
- Step 1Read the booksThree years of financial statements, the latest ledgers, loan papers and key contracts. We meet your accounts team and CA in the first week.
- Step 2Name the issuesA short findings note ranked by how much each issue matters to the decision ahead, whether that is a fundraise, a sale or a loan.
- Step 3Fix what you canBudgets, controls, policies and clean up work agreed with you and tracked as an engagement, with your CA and lawyer handling anything that needs their signature.
- Step 4Prepare for scrutinyA data room and a set of prepared answers for the investor, buyer or lender, so the questions they will ask are already handled.
An example
A Rajkot auto parts promoter prepares to sell a minority stake
A promoter who makes machined components for tractor and two wheeler makers has been approached by a fund for a minority stake. Before the fund's accountants arrive, we would go through the books with the company's CA: related party purchases from a cousin's firm, cash expenses without bills, a factory lease that was never registered, and customer contracts that let the buyer renegotiate if ownership changes. Each issue would get an owner and a fix where one is possible, and a plain explanation where it is not. The diligence documents would sit in a Synerger data room with access by folder, because employee and customer records hold personal data under the DPDP Act, 2023.
Illustrative example. Screens and data are samples.
- A budget and rolling cash forecast model
- A risk register with owners and actions
- A findings note on tax, contract and governance issues, prepared with your CA and lawyer
- An internal controls matrix with approval limits and responsibilities
- A restructuring or turnaround plan, where needed
- A vendor diligence pack ready for investors or buyers
Questions
About financial and risk advisory
Do you replace our CA or statutory auditor?
No. Your CA and auditor keep their roles and sign what they are responsible for. We help with planning, analysis and preparation, and we make sure the right questions reach them in time.
Can you help when the business is in financial difficulty?
Yes, and the earlier the better. We start with a frank cash position and a short term plan, then look at options with your lenders. Formal insolvency processes need a lawyer and a registered professional, and we will tell you when it has reached that point.
How do you handle personal data in the documents we share?
Diligence files often contain employee records and customer lists, which fall under India's DPDP Act, 2023. Synerger lets you restrict access per deal and per folder and keeps an audit trail of who opened what. If you need a wider compliance programme, the group's TrustOS platform (dpdpatrustos.com) covers it.
Further reading
The platform behind the work
- PlatformDue diligenceRequest lists, a data room and questions in one place, with a record of who did what.
- PlatformEngagementsScope, milestones, deliverables and decisions for an advisory mandate, in one place.
- Code ColoniesFinancial and risk at Code ColoniesThe wider Code Colonies consulting team behind this practice.
Next step
Tell us about the mandate. We will put the scope in writing.
A confidential first call with the financial and risk practice, then a written scope with the outputs, milestones, people and price.