New Finanna AI Analyst now drafts your monthly variance commentary and board summary automatically.
AI-Powered FP&A Platform

Plan faster. Forecast smarter.
Decide with an AI that understands finance.

Finanna Pro takes mid-market finance teams from spreadsheet chaos to intelligent planning — budgeting, forecasting, reporting and analysis in one governed workspace, with an AI analyst working alongside you.

SOC 2 compliant· AES-256 encrypted· Works with Tally, Zoho Books & Excel· Live in days, not quarters
340+
Indian SMBs analyzed
5 min
Average time to insight
93%
Accuracy vs manual audits
₹420Cr
Cash positions monitored
Featured In
The Platform

One platform for the full planning cycle.

Budgeting, forecasting, reporting and analysis on one governed data model — so a change to a driver updates the budget, the forecast and the board pack at once.

Planning & budgeting Forecasting & scenarios Reporting & consolidation Analytics & dashboards AI finance analyst Collaboration & control
Planning & Budgeting

Budgets built on drivers, not guesswork.

Department heads plan inside one governed model — versions, approvals and roll-ups handled by the platform, reconciled to actuals from day one.

FY27 Operating Budget · v3
12 days to lock
Draft In review Approval
DepartmentFY26 ActualFY27 BudgetΔ
Sales & Marketing₹14.05 Cr₹16.80 Cr+19.5%
Operations₹16.45 Cr₹17.10 Cr+4.0%
People & Admin₹5.35 Cr₹5.90 Cr+10.3%
R&D₹1.20 Cr₹1.65 Cr+37.5%
Updates flow live into the FY27 forecast and board pack
Forecasting & Scenarios

A forecast that never goes stale.

Roll forward automatically every month, then test hiring, pricing and expansion as side-by-side scenarios — cash impact included.

Rolling forecast · FY27
Updated 2 days ago
Base Hiring +12 Price +5% Downside
Actuals Base forecast Stretch range
Reporting & Consolidation

Board-ready in hours, not weeks.

Publish the MIS, executive dashboards and board pack from live, consolidated data — with variance commentary drafted by the AI, ready for your review.

Board Pack — June FY27
Published · day 3
Monthly Business Review
June FY27 · Consolidated · Reviewed by Finance
Revenue
₹7.4 Cr
+4.6% vs plan
EBITDA Margin
18.2%
+170 bps
Cash Cover
8.2 mo
Base scenario
AI · Drafted for review
Revenue finished ahead of plan on Retail strength, while Opex ran under budget — narrowing the full-year variance gap versus the FY27 forecast.
P&LCash flowVarianceCommentaryScenarios
Office
Get Started Today

See your real financial position
in under 5 minutes.

Book a 15-minute demo. We analyze your actual financials live on the call — no slides, no fluff.

See Your Financial Intelligence Dashboard

Explore the same dashboard your business gets. Click the tabs below to see Financial Reports, AR/AP Aging, P&L Analysis, Risk Engine & Final Report.

Finanna Pro
Jan 25 – Jul 26
Financial Report
Cash Position
₹42.1L
▲ +8.3% vs last month
DSO
47 days
▲ +12d above norm
Monthly Burn
₹19.2L
▲ +6.1% vs last month
Conservative Runway
23 days
▼ -12d vs last month
AR Outstanding
₹18.1L
₹4.8L at risk (>60d)
Banks
Banks
Income vs. Expenses
Income
Cost of Goods Sold
Expense
Runway
Sep 2024
18 Months
Spending (MTD) ₹21.4L
Top Spending
Total Base Salary: R…₹5.8L
Total Base Salary: G…₹4.2L
—₹0
Cash & Receivables Breakdown
Cash Balance · Section A.A
₹42.1L
HDFC Bank Account₹42.1L
Credit Cards—
Fixed Deposits—
✓ Cash confirmed from Bank Statement
Accounts Receivable · Section D
₹18.1L
AR Quality Score 0.68 · ₹12.2L expected in 30d
0 – 30d
₹10.1L56%
31 – 60d
₹3.2L18%
61 – 90d
₹2.7L15%
90d +
₹2.1L11%
Accounts Payable · Section E
₹6.2L
✓ All payables current — no overdue AP detected
Current
₹6.2L100%
31 – 60d
₹00%
61 – 90d
₹00%
90d +
₹00%
Financial Report — Sample Data
AR / AP Aging
Accounts Receivable & Payable aging breakdown · Section D & E · Data from AR_Aging_Q1_FY25.xlsx
Accounts Receivable Aging
Total AR: ₹18.1L
DSO: 47 days · Norm: 35d
Client Current31–60d61–90d90d+Total
Infosys Ltd.₹2.8L₹1.2L——₹4.0L
TCS Chennai₹2.1L—₹1.4L—₹3.5L
Zoho Corp₹1.9L₹1.1L——₹3.0L
Mphasis₹1.8L—₹1.1L—₹2.9L
Unison Global₹1.5L——₹2.1L₹3.6L
Others (9)₹0₹0.9L₹0.2L—₹1.1L
Total₹10.1L₹3.2L₹2.7L₹2.1L₹18.1L
Accounts Payable Aging
Total AP: ₹6.2L
✓ All current — no overdue
Vendor CategoryCurrent31–60dTotal
AWS IndiaSoftware₹1.2L—₹1.2L
ADP PayrollPayroll₹1.8L—₹1.8L
HDFC Office LeaseRent₹0.8L—₹0.8L
Salesforce IndiaSoftware₹0.6L—₹0.6L
ICICI InsuranceInsurance₹0.4L—₹0.4L
OthersVarious₹1.4L—₹1.4L
Total₹6.2L₹0₹6.2L
Invoice Breakdown · Sales & Purchase
Sales Invoices · Section C
InvoiceClientDateAmountStatus
INV-2502Infosys Ltd.Jan 15₹2.8LPaid
INV-2501TCS ChennaiJan 10₹2.1L31–60d
INV-2498Zoho CorpDec 28₹1.9LPaid
INV-2495MphasisDec 18₹1.8L61–90d
INV-2480Unison GlobalNov 10₹2.1L90d+
Purchase Invoices · Section A.B
InvoiceVendorCategoryAmountStatus
BILL-224AWS IndiaSoftware₹1.2LCurrent
BILL-221ADP PayrollPayroll₹1.8LCurrent
BILL-219HDFC LeaseRent₹0.8LCurrent
BILL-218SalesforceSoftware₹0.6LCurrent
BILL-215ICICI Ins.Insurance₹0.4LCurrent
P&L Analysis
Profit & Loss · Section C · Jan 2025 – Apr 2026 · Source: PL_Report_Feb25.csv
Monthly Revenue
₹23.5L
▲ +4.2%
COGS
₹8.2L
35% of revenue
Gross Profit
₹15.3L
65% margin
Net Income
₹5.6L
▲ +3.1%
Profit & Loss Statement Jan 2025 – Apr 2026
Line Item Actual
Jan '25		 Feb '25Mar '25Apr '25May '25Jun '25 Jul '25Aug '25Sep '25Oct '25 Nov '25Dec '25Jan '26Apr '26
Risk Engine
🔴 HIGH RISK · Conservative runway 23 days
PE-grade 7-step deterministic model · Same methodology private equity firms use for due diligence
Runway Scenarios
Best Case
61d
Base Case
48d
Payables-Adjusted
36d
Conservative ⚠
23d
Severe
11d
Worst Case
4d
Flag Hierarchy
🔴 Critical — Act Immediately
• Conservative runway 23d — below 30d threshold
• Payroll shortfall likely in 9 days
• ₹2.1L AR in 90d+ — probable bad debt
⚠ Warning — Review Needed
• DSO 47d vs 35d norm — slow collections
• Contractor spend +300% over 3 months
• 3 AR accounts overdue 31–60d (₹3.2L)
• Fixed costs = 74% of burn
ℹ Info — Context
• AP Aging not uploaded — estimated from invoices
• IT services DSO norm: 35–45 days
• Data completeness: 82% (2 docs missing)
• Vendor payables all current — no AP risk
7-Step Model Output
Burn Rate Stability
Accelerating +6.1% MoM — watch closely
WARN
Cash Runway Projection
Conservative 23d · Base case 48d
HIGH
DSO-Based Receivables Risk
47d DSO · ₹4.8L at risk in 61d+ buckets
HIGH
Payables Obligations
₹6.2L due 30d · All current — no AP shock
OK
Revenue Stress Testing
-15% scenario: runway drops to 18d
WARN
Overall Risk Classification
HIGH · 3 critical flags · 4 warnings
HIGH
Month-over-Month Trend
Burn +6.1% · Revenue +4.2% — gap widening
WARN
Finanna Pro · Final Report
Sample Data · Location: N/A · Generated 14 Feb 2025
Cash Available
₹42.1L
Runway (Conservative)
23 days
Monthly Burn
₹19.2L
Overdue AR
₹4.8L
Overall Verdict
🔴 High Risk — Action Required
The company is not in immediate danger, but the clock is ticking. You have ₹42.1 lakhs in the bank right now, but at the current spend rate of ₹19.2 lakhs per month, you have roughly 23 days of runway in the conservative scenario before things get uncomfortable.

The biggest risks are slow client payments (₹4.8L is overdue for more than 60 days) and a sharp rise in contractor costs that are pushing your burn rate up. The good news — your vendor bills are all paid on time, and your base revenue is still growing.
Runway — How Long Until You Run Out?
23d
Conservative runway
If things don't improve
Best Case · 61 days
If AR is collected fast and contractor spend is controlled
Base Case · 48 days
Business as usual — no changes made
Think of runway as the number of days you have to fix the problem before you need to make difficult decisions. 23 days is tight. Your goal should be to get this above 45 days within the next 2 weeks.
Key Risks — In Plain English
  • !
    Payroll is due in 9 days.
    You have the cash (₹42.1L), but ₹8.4L needs to be liquid. Chase overdue invoices this week.
  • !
    ₹4.8L in invoices are overdue for more than 60 days.
    Unison Global owes ₹2.1L for 90+ days — this may need to be written off if not collected soon.
  • !
    Contractor costs tripled in 3 months.
    This is the #1 driver of your rising burn rate. Review all contractor contracts immediately.
  • !
    Clients are paying 12 days slower than normal.
    Average payment time is 47 days vs the industry norm of 35. Consider tighter payment terms.
What You Should Do This Week
  • 1
    Call Unison Global today — ₹2.1L is 90+ days overdue. Send a formal demand notice if needed. This alone could improve your runway by 11 days.
  • 2
    Freeze all new contractor hires and audit existing contracts. Contractor spend at +300% is unsustainable. Target a ₹2L reduction in monthly burn.
  • 3
    Chase TCS Chennai and Mphasis — both have invoices 61-90 days overdue totalling ₹2.5L. A quick call usually resolves these.
  • 4
    Switch to Net-30 payment terms for all new client contracts. Your current average of 47 days is hurting cashflow unnecessarily.
  • 5
    Upload your AP Aging Report to Finanna Pro. It's the only missing document. This will improve data accuracy from 82% to 96%.
✓ What's Going Well
All your vendor bills are paid on time. ₹6.2L is due within 30 days — no supplier risk.
Revenue is growing — ₹23.5L MRR, up 4.2% last month. The business itself is healthy.
Best-case runway is 61 days — if you collect AR this month, you're in a comfortable position.
The Platform

Financial intelligence
built for founders.

Three pillars, nine capabilities — the same view PE analysts use to underwrite risk, built into one workspace.

01
Cash & runway intelligence

The real number, not the bank balance — and how long it lasts under six different futures.

Cash Position Engine

Real adjusted cash position accounting for payables, receivables timing, and pending obligations — not just your bank balance.

Burn Rate Monitor

Track burn stability over rolling 30/60/90-day windows. Detect acceleration patterns before they become crises.

6-Scenario Runway

Best, base, payables-adjusted, conservative, severe, and worst-case runway — calculated deterministically, not guessed.

02
Risk detection

Every rupee flowing in and out, tracked and flagged before it becomes a problem.

AR Quality Analysis

DSO calculation, aging buckets, haircut-adjusted receivables. Know which receivables are real vs at-risk.

AP Obligations Mapping

Upcoming payables scheduled against your cash position. See cliff events days before they arrive.

Financial Shock Detection

Large upcoming payments, seasonal dips, and anomalous transactions flagged automatically before they shock your position.

03
Scenario planning & reporting

Stress-test the business, then export a report your board and investors can act on.

Revenue Stress Testing

What if revenue drops 10%, 20%, or 30%? Instant scenario recalculation shows your runway under each outcome.

Risk Classification

Low / Medium / High / Critical classification with a composite risk score, not a single vanity metric.

Investor-Ready Reports

Export a structured PDF report in the format PE firms expect — built for board meetings and due diligence packages.

How we compare

CapabilityAccountantFinanna ProDIY Spreadsheet
Full runway scenarios
AR quality analysis—
Results in <5 minutes
Plain English explanations
Revenue stress testing——
SOC 2 security—
Monthly cost₹25,000+From ₹4,999Your time
Finance

Ready to see it live?

Book a 15-minute demo. We'll run a live analysis on your actual data.

The Process

From bank statement to
cash risk clarity

No spreadsheets. No manual calculations. Upload your financials and get PE-grade runway analysis in under 5 minutes.

📤
Upload
→
🧠
Process
→
💡
Insight
1
Data Ingestion

Upload your financial documents

Drag and drop in any format. AI auto-categorizes document types and you verify before processing begins.

  • Bank statements, P&L, AR aging, AP aging (PDF, CSV, XLSX)
  • SOC 2 compliant — AES-256 encryption at rest and in transit
  • Xero, QuickBooks exports, Invoice PDFs supported
  • AI auto-categorizes — you verify before processing
📁
Drop files here
PDF, CSV, XLSX supported
✅Q1_bank_statement.pdf — Bank Statement
✅AR_aging_March.xlsx — AR Aging
🔄PL_2024.csv — Processing...
2
Financial Intelligence Engine

PE-grade risk analysis runs automatically

Our 7-step deterministic model calculates your cash position using the same methodology private equity firms use for due diligence.

  • Burn rate stability — Is spending accelerating?
  • Cash runway projection — Days until cash runs out
  • DSO-based receivables risk — Are clients paying on time?
  • Payables obligations — Overdue bills eating cash?
  • Revenue stress testing — What if revenue drops 15%? 30%?
  • Risk classification — Low / Medium / High / Critical
6 Runway Scenarios
Best Case
61d
Base Case
48d
Payables-Adj
36d
Conservative
23d
Severe
11d
Worst Case
4d
🚨 HIGH RISK
Conservative runway: 23 days. Immediate action recommended.
3
AI Explanation Layer

Plain English insights, not financial jargon

AI translates complex financial outputs into clear, actionable language any non-financial founder can understand and act on immediately.

Old Way
"DSO = 47 days. AR quality score 0.68. Receivables weighted haircut applied."
Finanna Pro
"Your customers are taking 47 days to pay — 12 days longer than normal. Of your ₹18L in outstanding invoices, we estimate only ₹12.2L is likely to arrive within 30 days."
4
Actionable Output

A risk report you can act on today

Download a structured PDF, share with your board, or present in your next investor meeting. Built for due diligence from day one.

  • Investor-ready PDF export
  • Priority action items ranked by urgency
  • Month-over-month trend analysis
  • Board-ready executive summary
📄 Risk Report — Acme Corp
🔴 Payroll shortfall in 9 daysCRITICAL
🟡 3 overdue AR accountsHIGH
✅ No overdue vendor paymentsOK
Business

See it with your own numbers.

Book a 15-minute demo and we'll run a live analysis on your actual financials.

Simple Pricing

Straightforward plans.
No hidden fees.

All plans include a 14-day free trial. Cancel anytime. Includes onboarding support.

Starter
₹4,999
per month
  • Up to 3 cash risk reports/month
  • All 6 runway scenarios
  • AR & AP analysis
  • Plain English insights
  • PDF export
  • Email support
Most Popular
Growth
₹9,999
per month
  • Unlimited reports
  • All Starter features
  • Revenue stress testing
  • Financial shock detection
  • Month-over-month trending
  • Priority support
  • Investor-ready board pack
Enterprise
Custom
billed annually
  • Everything in Growth
  • Multi-entity consolidation
  • Dedicated analyst support
  • Custom integration support
  • SLA guarantees
  • Private deployment available

All plans include a 14-day free trial. No credit card required to start.

Need a custom quote?

About Us

Finanna Pro is building the intelligence layer for financial decision-making.

We develop applied AI systems that analyse transaction behaviour, model financial runway, and detect early structural risk before it becomes visible in traditional reporting. Instead of static dashboards, we deliver forward-looking, interpretable financial intelligence designed for proactive decisions.

The Founders
Aryan Shah
Aryan Shah
Founder & Chief Executive Officer

Aryan leads company strategy, product vision, and execution at Finanna Pro. With hands-on experience across fintech and financial data analysis, he drives the platform's growth, client acquisition, and long-term direction.

Farhad Anwari
Farhad Anwari
Co-founder & Investor

Farhad co-founded Finanna Pro and backs the company as an investor. He provides strategic guidance on fundraising, growth, and key business decisions alongside the leadership team.

Careers

Join the Team

We are building the intelligence infrastructure for modern financial decision-making. We are assembling a focused team of builders who value structured thinking, ownership, and clarity.

View Open Roles on LinkedIn
How We Hire

We hire deliberately and with long-term alignment in mind.

What we value

●Structured problem-solving
●Depth of reasoning
●Ownership mindset
●Clear written communication

Hiring Process

1
Introductory conversation
2
Structured problem discussion
3
Practical task aligned to role
4
Final conversation with founders

We prioritise rigour, clarity, and alignment over speed.

Book a Demo

Let's look at your
real numbers.

Fill in your details and we'll set up a 15-minute call where we analyze your actual financials live — no slides, no sales pitch.

⚠ Please fill in the required fields highlighted below.
Please enter your full name.
Please enter a valid email address.
Please enter your phone number.

No commitment. We typically respond within 48 hours.

Business meeting
What to expect
1
We reach out within 48 hours
To schedule your 15-minute slot
2
We analyze your real financials
Live on the call — bring a bank statement
3
You get a free risk report
Regardless of whether you sign up
Data Security

Your data is treated like
our own.

Bank-grade security standards. Your financials are never sold, never shared, never used to train models.

🔒
SOC 2 Type II Compliant
Independently audited annually. Our security controls, availability, and data integrity meet the highest industry standards.
🛡
AES-256 Encryption
All data encrypted at rest and in transit using AES-256 — the same standard used by financial institutions worldwide.
☁
AWS Infrastructure
Hosted on AWS ap-south-1 (Mumbai). All data stored within India in compliance with applicable data localization guidelines.
🗑
Right to Delete
Delete your data at any time. We permanently purge all financial documents and processed outputs within 24 hours of request.
🚫
Never Sold or Shared
Your financial data is never sold to third parties, used in aggregate benchmarks without consent, or shared with any external entity.
👤
Role-Based Access
Granular access controls. Only verified team members can access your data, with full audit logs of every access event.
FAQ

Common questions
answered.

What documents do I need to upload?
You need at minimum: 3 months of bank statements. For a complete analysis, we also recommend uploading your P&L, accounts receivable aging report, and accounts payable aging report. All common formats are supported: PDF, CSV, XLSX.
How long does the analysis take?
Most analyses complete in under 5 minutes from upload. Larger datasets with multiple documents may take up to 10 minutes. You will receive an email notification when your report is ready.
Is my financial data secure?
Yes. We are SOC 2 Type II compliant. All data is encrypted at rest (AES-256) and in transit (TLS 1.3). Your data is stored in AWS Mumbai (ap-south-1), never sold to third parties, and never used to train models. You can delete all your data at any time.
What is the difference between your analysis and my accountant's?
Accountants typically produce historical reports (what happened). Finanna Pro provides forward-looking cash risk intelligence (what will happen and when). We run six runway scenarios, stress-test your revenue, and identify specific risks — similar to a PE firm's due diligence process, not a tax filing.
Can I cancel anytime?
Yes, absolutely. All plans are month-to-month with no lock-in. You can cancel directly from your account dashboard. Your data will be retained for 30 days after cancellation before permanent deletion.
Do you support multi-entity businesses?
Multi-entity consolidation is available on our Enterprise plan. You can analyze each entity individually on Starter and Growth plans. Contact our team if you need a custom multi-entity setup.
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Dashboard
★★★★★

"Finanna showed me I had 19 days of cash left. We raised a bridge round the next week."

Karthik Menon
CEO, Logibix
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Finance
Choose Your Plan

Select your plan to get started.

14-day free trial on all plans. Cancel anytime.

Starter
₹4,999
per month
  • 3 reports/month
  • 6 runway scenarios
  • AR & AP analysis
Popular
Growth
₹9,999
per month
  • Unlimited reports
  • Stress testing
  • Board pack export
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