Cash Flow Crisis Prevention: VELTRO’s 13-Week Model for Indian MSMEs

Cash flow — not profit — is what keeps businesses alive. Many profitable Indian MSMEs shut down because they ran out of cash at the wrong moment. VELTRO eliminates this permanently.

Why Indian MSMEs Face Cash Crises

• Customer payment delays average 60–90 days while vendor payments are due in 30
• GST output tax due monthly even when customers haven’t paid
• Seasonal inventory build-up months before revenue arrives
• Working capital loan applications take 60+ days

VELTRO’s 13-Week Rolling Cash Flow Model

Built from your actual receivables aging, payables schedule, and operating calendar. You see cash gaps 60–90 days before they happen — with time to act.

• Week-by-week cash inflows from confirmed receivables
• All outgoing payments: vendors, payroll, GST, loan EMIs
• Minimum cash buffer threshold with automated alerts
• Scenario analysis: what if 3 biggest customers pay 30 days late?

Case: ₹75 Lakh Invoice Discounting Facility

Gurugram EdTech: profitable but missing vendor payments by 15–20 days. VELTRO identified the 45-day receivables bottleneck and secured a ₹75L invoice discounting facility. Cash positive every month since.

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