New Release · 2026
The Complete Financial Guide

Financial Mastery for Indian Small Business Owners

Stop guessing with your finances. This book gives Indian small business owners the exact same financial frameworks that large corporations use — simplified, localised, and ready to implement from day one.

22 Chapters
5 Calculators
5 Templates
₹10L+ Business Range
New Release 2026
Financial Mastery for Indian Small Business Owners
The Complete Financial Playbook
★ Included Free
5 Professional Calculators
+ 5 Ready-to-Use Templates
By Arjun Singh

6 Areas That Will Transform Your Business Finances

💰
Cash Flow Mastery
Know exactly where your money is going, forecast 13 weeks ahead, and never be caught short again. Build a weekly routine that takes 15 minutes.
📊
GST & Compliance
Understand CGST, SGST, IGST, Input Tax Credit, and filing deadlines. Stop relying entirely on your CA for basic compliance knowledge.
🤝
Credit & Collections
Score customers using the 5C framework before extending credit. Collect overdue payments professionally with the 7-touch script system.
⚖️
Working Capital
Diagnose your working capital health using 6 key ratios. Understand DSO, DPO, DIO and what each tells you about your business.
📈
Profitability Analysis
Calculate your real break-even point, margin of safety, and target profit. Know exactly which products and customers are making you money.
🏦
Financial Reporting
Read and interpret your P&L, Balance Sheet, and Cash Flow Statement with confidence. Stop nodding along and start asking the right questions.

22 Chapters. One Complete Playbook.

Every chapter builds on the last. From financial foundations to advanced cash flow strategy — structured so any business owner can follow along.

CH 01
The Cash Flow Crisis Every Business Owner Faces
Why profitable businesses fail — and how to stop it happening to you
CH 02
Reading Your Financial Statements
P&L, Balance Sheet, Cash Flow — what they actually tell you
CH 03
The 5 Numbers Every Owner Must Know
The KPIs that matter most for Indian small businesses
CH 04
Building Your Cash Flow Forecast
The 13-week forecast method — simple, weekly, and life-changing
CH 05
GST Fundamentals for Business Owners
CGST, SGST, IGST, ITC — explained without the jargon
CH 06
Managing Input Tax Credit
How to claim every rupee of ITC you're entitled to
CH 07
Pricing for Profit, Not Just Revenue
Why many owners underprice — and how to fix it permanently
CH 08
Break-Even Analysis in Practice
Calculate your exact break-even and margin of safety
CH 09
Working Capital — The Engine of Your Business
What it is, why it matters, and how to optimise it
CH 10
Accounts Receivable Management
Get paid faster without damaging customer relationships
CH 11
Inventory & Payables Control
Balance stock levels and supplier terms for maximum cash
CH 12
Business Banking & Relationships
How to manage your bank relationship and access credit
CH 13
The 5C Credit Framework
Score any customer before extending credit — Capacity, Capital, Character, Conditions, Collateral
CH 14
Building a Credit Policy
Create formal credit rules that protect your business
CH 15
The 7-Touch Collections System
Collect overdue payments with scripts for every stage
CH 16
Cost Control & Expense Management
Find and eliminate the costs that quietly kill margins
CH 17
Tax Planning for Small Businesses
Legal strategies to reduce your tax burden every year
CH 18
Budgeting & Annual Financial Planning
Build a realistic annual budget your team can actually follow
CH 19
Raising Finance & Working with Investors
Loans, equity, government schemes — what works for SMEs
CH 20
Digital Finance Tools for Indian SMEs
The best accounting and finance software available in India
CH 21
Building Your Finance Team
When to hire, what to outsource, and how to manage your CA
CH 22
Your 90-Day Financial Transformation Plan
A step-by-step action plan to implement everything in this book

Your Free Digital Toolkit

Every reader gets free access to 5 professional calculators and 5 ready-to-use templates. No subscription. No expiry. Yours permanently.

CALCULATOR 01
Cash Flow Health Check
5 key metrics + overall health score with priority actions
CALCULATOR 02
GST Split Calculator
CGST, SGST & IGST for any transaction — intra and inter-state
CALCULATOR 03
5C Credit Scorer
Score any customer — get approve / caution / reject instantly
CALCULATOR 04
Break-Even Calculator
Units, revenue, margin of safety & target profit
CALCULATOR 05
Working Capital Diagnostics
6 ratios with benchmarks and prioritised action plan
5 TEMPLATES
Excel & Word Templates
13-Week Cash Flow · Weekly Dashboard · GST Tracker · Credit Policy · 7-Touch Scripts

Already have the book? Access your free toolkit now.

Use your Reader Access Code from inside the book to unlock all 5 tools instantly.

Access Free Toolkit →
A
Arjun Singh
Author & Founder
Operations Analyst — 15+ years
Tata Teleservices & Tata Communications
100,000+ records/day automation systems
Revenue Assurance — multi-million ₹ operations
Founder, SolvXYZ.com
arjunsingh.org

Corporate Rigour. Small Business Reality.

Arjun Singh spent over 15 years as an Operations Analyst at Tata Teleservices and Tata Communications, building automation systems that processed more than 100,000 records daily and leading revenue assurance initiatives across multi-million rupee operations.

He watched Indian small business owners struggle with the same financial challenges that large corporations solve systematically — not because owners lack intelligence, but because nobody had ever shown them the frameworks.

Financial Mastery for Indian Small Business Owners is his answer to that gap. It takes the financial rigour of corporate India and translates it into practical, actionable guidance that any business owner can implement — without needing a finance degree or a full-time CFO.

He founded SolvXYZ.com to give Indian small businesses the same tools and systems that large companies take for granted.

Visit arjunsingh.org Visit SolvXYZ.com

What Business Owners Are Saying

★★★★★

Finally a finance book written for someone like me — a business owner, not an accountant. The cash flow forecast template alone saved me from a crisis I didn't even see coming.

Rajesh Mehta
Manufacturing Business Owner, Pune
★★★★★

The GST chapters are the clearest explanation I've read anywhere. I've been in business 8 years and I finally understand ITC properly. The toolkit is genuinely useful — not just a freebie.

Priya Nair
Retail & E-commerce, Bengaluru
★★★★★

The 5C credit framework changed how I evaluate new customers. I've already avoided two bad debts since implementing it. The 7-touch collection scripts paid for the book on the first use.

Suresh Sharma
Wholesale Distribution, Delhi

* Reviews are illustrative. Update with real reader reviews once available.

Ready to Take Control of Your Finances?

Available now. Includes free lifetime access to the digital toolkit — 5 calculators + 5 templates — with every purchase.

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