Short-term financial planning focuses on immediate needs typically covering a 3 to 12-month horizon. It ensures you have adequate working capital, timely vendor payments, payroll budgets, tax outflows, and emergency reserves. Our team creates rolling forecasts and monthly cash flow projections to ensure daily business continuity.

On the other hand, long-term financial planning spans over 3–5 years and aligns closely with your vision, expansion strategy, and investment goals. It includes scenario-based forecasting, projected balance sheets, capital expenditure planning, and funding strategy.

We integrate these plans into your MIS framework, ensuring real-time tracking and variance reporting. The goal is to build a roadmap that supports revenue goals, cost management, debt servicing, and profit maximization across market cycles and business changes.

Our financial planning services are tailored to your sector, growth stage, and investor expectations. Whether you’re entering new markets, scaling operations, or preparing for external funding, we make sure your finances support your ambition with structured clarity.

With our guidance, business owners can confidently answer key questions: “Can I expand now?”, “When will I break even?”, “Do I need funding?”, “What will my cash reserves look like in 18 months?”, and more. We bring predictability to performance and resilience to your balance sheet.

• Ensure smooth operations and liquidity with tactical planning.

• Vision-driven forecasting including income statement, balance sheet, and cash flow.

• Best-case, base-case, and worst-case modeling for decision-making.

• Structured fund flow analysis for operational and financing decisions.
• Plan future investments, acquisitions, and repayment strategies.
• Align financial forecasts with business expansion and team hiring plans.
• Excel-based models suitable for pitch decks, VC/PE rounds, and bank loan applications.

We don’t believe in one-size-fits-all auditing. At Pawan Lohia & Associates, every Risk-Based Internal Audit begins with an in-depth understanding of your business model, industry dynamics, and regulatory exposure. Our team collaborates closely with your internal stakeholders to prioritize risk areas, define scope, and execute detailed audits with a strategic lens.