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About Sallfin
Overview
Sallfin professionals in discussion
About Sallfin

Different businesses.
Different problems.
The same need for better financial decisions.

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years of practice
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client engagements
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businesses served
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industries covered
The Problem

Growing Businesses Make Their Biggest Decisions With The Least Financial Visibility.

The Question Every Founder Asks
Expansion Can we afford to grow?
Hiring Can we sustain additional cost?
Borrowing Can we repay comfortably?
Pricing Will this create value?
Investment Are we making enough margin?
Growth Why is profit not becoming cash?
Revenue Is Growing.
Cash Is Tight.
Nobody Knows Why?
The Sallfin Approach

The Sallfin Decision Framework

01
Understand
→
02
Analyze
→
03
Investigate
→
04
Decide
→
05
Execute

Every transaction tells a story. Our job is to understand what the business is trying to say.

Why Sallfin Exists

The busiest person in the business is usually the person making the biggest decisions.

The founder carries the business.
The business carries the decisions.
The founder carries them both.

The reports exist.
The numbers exist.
The decisions still remain with one person.

Sallfin exists so founders do not have to make those decisions alone.

What You Receive

Not Another Finance Report.
A Financial Decision Partner.

Every Month
  • Management Dashboard
  • Cash Flow Review
  • Financial Performance Analysis
  • Founder Decision Review
  • Management Review Meeting
Every Quarter
  • Budget & Planning Review
  • Growth & Investment Analysis
  • Working Capital Review
Everyday Decisions
  • Expansion Decisions
  • Pricing Decisions
  • Financing Decisions
  • Business Performance Visibility
→
Outcomes
  • Better Cash Visibility
  • Better Growth Decisions
  • Better Capital Allocation
  • Better Business Decisions
The Founder
Kuldeep Samal

Kuldeep Samal

Founder, Sallfin
VSSUT → XLRI → Businesses
in
Financial Advisory Founder-led Businesses Cash Flow Management Growth Decisions Business Performance Working Capital
Education
  • PGDM, XLRI Jamshedpur
  • B.Tech in Computer Science & Engineering, VSSUT
Experience
  • 5 Years of Financial Practice
  • 23 Client Engagements
  • 14 Businesses Served
  • 9 Industries Covered

Working with founder-led businesses across multiple industries revealed one consistent truth. The industries were different. The businesses were different. The founders were different. The questions were remarkably similar.

The most important decisions in a business still rest with the founder. Sallfin was created to provide the financial clarity and judgment growing businesses deserve.

Every business has the right to grow.

Capabilities
Finance exists to improve decisions, not simply explain results.
Management Reporting & MIS

Monthly MIS packs, KPI dashboards, board and investor packs, the reporting engine for your business.

Learn more about this capability
Industries
We bring deep sector knowledge to every FP&A engagement.
Education & EdTech

Fee and enrolment forecasting, academic-year budgets, NAAC/UGC-format financial reporting, and campus-expansion models for schools, colleges, and EdTech companies.

Learn more about our services in this industry

Beyond Strategy. Real Impact.

The value of financial thinking is measured by the decisions it improves.

₹3.2Cr Recovered
Government Agency · Cash Flow
The Cash That Was Already There
₹3.2 Cr in receivables not followed up in 14 months. Sallfin built an ageing analysis and recovery process. ₹2.1 Cr collected within 90 days, liquidity shortfall resolved without additional borrowing.
SEE ALL STORIES →
18-day Close (was 47)
Healthcare Group · MIS
The Month-End That Took Six Weeks
Three-hospital group closing books 47 days after month-end. Sallfin redesigned the close process and built a fixed close calendar. First clean close: 18 days.
₹14Cr Sanctioned
Engineering College · Fundraising
₹14 Cr Sanctioned at First Submission
Two earlier submissions returned. Sallfin built the full project report, CMA data, and DSCR model stress-tested at three scenarios. Sanctioned in full, zero clarification requests.
31% GOP Improvement
Hospitality Group · Profitability
Fourteen Hotels, One P&L, No Clarity
14-property hotel group with no property-level P&L. Sallfin built a contribution model per property, identified two assets destroying value. Portfolio GOP improved by 31%.
₹8.4Cr Freed
Consumer / Manufacturing · Working Capital
The Toy Company Funding Its Own Bottleneck
94 days of finished goods inventory against a 22-day market lead-time. Bottom-quartile SKUs consumed 38% of inventory for 9% of contribution. ₹8.4 Cr freed in one cycle.
SEE ALL STORIES →

Explore More

Our Purpose
and People
Our Commitments
Our Client Impact
Unlocking the Potential of Those Who Advance the World
How can we assist you?

We value the opportunity to connect with you. Please submit your inquiries and feedback, and our experienced professionals are ready to assist you.

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Sallfin
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