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

Cash flow — not profit — is what keeps businesses alive. VELTRO eliminates cash crises 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 have not paid
• Seasonal inventory build-up months before revenue arrives
• Working capital loan applications take 60+ days

VELTRO 13-Week Rolling Cash Flow Model

• 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 Secured

Gurugram EdTech: profitable but missing vendor payments. VELTRO identified the bottleneck and secured a ₹75L invoice discounting facility. Cash positive every month since.