⏰ ONE SYSTEM · TWO WAYS

Your CFO works two ways.
7AM automatic. CURRENT on your command.

Scattered Data → Finance OS™ (Consolidated, Verified, Analyzed) → Visibility and Clarity. Delivered as One Page Financial News, every morning at 7AM — or the instant you type CURRENT.

₹40-50Cr
Fraud Caught
₹200Cr+
Variance Identified
7
Countries Served
64
Case Studies
7
Books Published

ONE PAGE FINANCIAL NEWS · TODAY

● LIVE
Cash Position₹1.84 Cr
Cash vs Profit GapWhy the Gap? →
Top Variance FlagMargin −2.3%
Inventory Ageing18 SKUs > 90d
Working Capital₹18L Released
Today's DecisionCollections, not procurement
Data Confidence0%
Dual Positioning

One system, two ways to get clarity

Not an add-on. Both modes carry equal weight — pick whichever fits the moment.

7AM Automatic

Every morning at 7AM, scheduled, zero manual work — one intelligent One Page News on your preferred channel.

  • WhatsApp · Email · Slack · Telegram · Teams
  • No dashboard to open. No Excel to build.
  • Just your CFO, before your first meeting.

CURRENT On-Demand

Type CURRENT anytime — the same One Page News within 10 minutes. Emergency, meeting prep, quick check.

  • No calls. No waiting.
  • Same intelligence, different timing.
  • Equal weightage to 7AM — not a fallback.
How It Works

Data First. AI Second.

Every output passes through the Rakshak's 12-Layer Code before it reaches you.

01

Data In

ERP, Excel, WhatsApp, PDFs, drives, email — all sources connected, one time.

02

Rakshak Mode

12-layer protection: testing, compliance, audit trail, cross-verification — before AI touches it.

03

AI Commentary

Claude turns the day's data into one plain-language decision — the CFO-narrative layer.

04

Today's Decision

Delivered at 7AM on your chosen channel. Cash. Variance. Working Capital. Done.

The Last Layer Approach™

Most finance audits start at the top — P&L, trial balance, system records. The Last Layer Approach goes below — to the warehouse floor, the security guard, the delivery rider. Fraud does not live in boardrooms. It lives in the gap between what the system records and what the last layer knows.

Data Security
Anomaly Detection
Cross-Verification
Human-in-the-Loop
P1

Finance OS — Backend

One-time setup. Finds what's leaking: fraud, margin bleed, trapped cash.

FLAGSHIP
P2

7AM & Realtime CFO™ — Frontend

Monthly retainer. Scattered Data → Finance OS™ → Visibility and Clarity, on your preferred channel.

P3

Full Report + Dashboard + CFO Commentary

Weekly full picture — every number, every variance, live Power BI + CFO narrative.

P4

Fractional CFO

Senior finance leadership — strategy, investors, board, lenders, fundraising.

"I turn scattered-data horror stories — the pain, the sleepless nights — into happy endings; clarity that lasts, morning after morning, so businesses live happily ever after."
Suraj Kumar Lohani · 7AM & Realtime CFO™ · #WhereNumbersSpeak
0
₹40-50Cr Fraud Caught
0
₹Cr+ Variance Found
0
Financial Models
0
Case Studies
0
Book Copies Sold
Real Problems. Real Results.

Case Studies

All anonymized. No company names. No internal data. The numbers are real.

India · Export Manufacturing

₹12L Contract Saved

₹300 Crore revenue, 1,000+ employees. Leadership had approved a ₹12 lakh, 1-month external consulting contract for a comprehensive MIS system.

Built internally in days. CFO: "Aap is company ki asli sampatti hain."
India · D2C, 6 Channels

₹28L Working Capital Freed

₹15-25 Crore revenue founder was about to shut his lowest-revenue channel — not knowing it had the highest margin per order.

178-column model. MIS Day 22 → Day 5. ₹28L released.
India · E-Commerce

₹1.25Cr Fraud Recovered

Returns marked received in system but physically absent from warehouse — a systematic leak running unnoticed for 3 years.

₹37L caught in one audit cycle. Full evidence trail prepared.
India · Manufacturing

₹28L Job-Work Leakage Recovered

Raw material sent to job workers for processing, tracked across registers, WhatsApp messages, and one operator's memory. What returned never matched what the input should have produced — a gap hidden inside "accepted processing loss" for three years.

Reconciliation system built: every challan matched to expected yield. ₹11L surfaced in quarter one. Cumulative recovery exceeded ₹28L.
🇦🇪
UAE
AED 380K WC Released
🇬🇧
UK
£38K Margin Recovered
🇸🇬
Singapore
SGD 280K Intercompany
🇦🇺
Australia
AUD 134K Branch Loss Found
🇸🇦
Saudi Arabia
SAR 1.4M Crunch Averted
🇳🇱
Netherlands
EUR 460K Treasury Deployed
🇮🇳
India
Home Base · Since 2009
🌍
7 Countries
One Architecture
Who Builds This

Finance expertise. Engineering execution.

Two complementary skillsets, one architecture.

SK

Suraj Kumar Lohani

Finance Engineer · Finance OS Architect · Creator of 7AM & Realtime CFO™

22+ years across CA firms, Export Manufacturing, FMCG and product companies globally. ₹40-50 Crore fraud caught since 2009. ₹200 Crore+ variance identified. 100+ financial models across 7 countries. Author of 7 books on Finance & Excel.

Finance OS Excel & VBA Power BI Fractional CFO Fraud Forensics
SK

Shikha Kutariyar Lohani

Partner · Excel & Power BI Developer · AI Workflow Automation

Businesses run on data. But most teams spend more time managing data than understanding it. Shikha builds the operations backbone — Excel & Power BI reporting systems layered with AI-powered automation and structured workflows that make processes independent of any single person.

Excel & Power BI MIS & Data Analytics AI Workflow Automation SOP & BPMN Design SQL Reporting
"Aap is company ki asli sampatti hain."
— CFO, ₹300 Crore Export Manufacturing Company
"Nobody I have met knows both the finance & accounts pain AND the tech expertise together."
— Current Client, Inventory-Driven Business
"You are our hero." — Offered directorship at ₹48 lakh/year. Declined.
— Finance Automation Client
Free Resources

7 Books. 2 Tools. Zero cost to start.

All built on 22 years of ground-level experience — not academic theory.

📚 Unlock all 7 books, free

Enter your email — get instant access to the full library, sent straight to your inbox.

📗
Excel for Finance & Accounting
Coming Soon
📘
The Business OS
Download PDF →
📙
Finance Zero to CFO — Bk 1-4
📕
Zero Cost CFO — Part 1 & 2
Free Tools

Find your leak in 2 minutes

💧

Cash vs Profit Leak Finder

Enter 4 numbers — see exactly where your cash is trapped vs your profit. Working Capital & CCC gap in 2 minutes.

Open Free Tool →
🩺

Finance Clarity Diagnostic

A 5-minute assessment to identify your top 3 financial pain points and gaps — before you talk to anyone.

Open Free Tool →
Free Finance Leak Audit

Enterprise Risk Quantifier

20 questions. 5 minutes. Find out exactly where your business is bleeding time or cash.

Step 1 of 22
Before we start
🎯

Your Top 3 Pain Points

Based on your answers — here's where the leaks likely are.

Book a Free Finance Leak Audit →
Get In Touch

Ready when you are

No calls. No waiting. Just message.

💬

WhatsApp

Fastest way to reach us — DM "MORNING" to start.

+91-7011283542 →
💼

LinkedIn — Suraj

Finance Engineer · Finance OS Architect

Connect →
💼

LinkedIn — Shikha

Excel & Power BI Developer · Partner

Connect →
📋

Free Diagnostic

Not sure where to start? Take the 5-min assessment.

Start Now →