MFOS MSME CapitalLink Talk to a CFO

For Indian MSMEs · ₹50 lakh to ₹250 crore turnover

A bank has already decided what your money costs. You just haven't seen the score.

MFOS scores your business the way a lender does — from your bank statements, GST filings and balance sheet — then a real CFO tells you what to fix first.

72
Health score
Drag to see what each score is worth
B Borderline
60–79
What a lender offers
PSU with conditions, or a private bank

Same business, four different costs of money. Moving one band is usually worth more than a year of negotiating.

What you see

Six numbers. Each one tells you what to do today.

No ratios to interpret, no dashboard to learn. Open the app between two client calls and you know where you stand.

Today's score

Your health score out of 100, the band it puts you in, and whether it moved since last week.

Money to collect

What customers owe you, how long it's been sitting, and which bills to chase first.

Money to pay

What you owe suppliers and when each payment falls due.

Cash runway

How many days your cash lasts at the rate you're currently spending it.

Loan payments

Your EMIs, what's outstanding, and the next date money leaves the account.

Bank & tax compliance

GST, TDS and filings — what's clean, what's late, and what a lender will notice.

How the score is built

Eight things, weighted the way a credit team weights them.

Nothing about the score is a black box. You can see which part is dragging you down, and how much of the total it's worth.

  • Banking discipline — how your account behaves25%
  • Liquidity — can you cover the next 90 days15%
  • GST consistency — do your filings agree15%
  • Leverage — what you owe against what you own10%
  • Profitability — what actually stays with you10%
  • Compliance — GST, TDS, PF, ESI, ROC10%
  • Documentation — is your file ready for a banker10%
  • Repayment record — how you've handled credit5%

Take it away and read it

Two brochures, no form to fill.

One shows what a business owner sees each morning. The other shows the desk the numbers are kept on — the console a CFO works your file in.

For the business owner

What your business sees

What the app tells you to do each morning, the numbers behind it, and the profit and stock screens being built next — with screenshots throughout.

PDF · 6 pages · 1.2 MB
For the finance lead

The desk behind your numbers

Portfolio triage, the full credit-readiness scorecard, industry benchmarks, margin tracking and the bank-limit sizing your CFO runs before you ask.

PDF · 8 pages · 3.5 MB

The part software can't do

Every business gets a CFO on the other end of the phone.

The score tells you what's wrong. A person who has taken files to banks tells you what to do about it — and stays with you until the money lands.

Book a free review Open the app