Debt Funding Advisory, Business CFO & Family Office CFO Services | S Utsav & Associates, Chartered Accountants

What we do

Ways we create value.

Debt Funding Advisory

We advise businesses on debt funding strategy and prepare them to approach lenders, covering:

Debt funding advisory. Loan structuring support, lender identification and introductions for term loans, working capital and project finance. Sanction and terms rest solely with the lender.

Cross-border debt advisory. Guidance on external commercial borrowing (ECB) loan routes. All transactions are executed through authorised dealer banks in line with RBI / FEMA regulations.

Documentation support. Preparation of financial proposals, DPRs, CMA data and projections. Certification, where required, is done by a qualified chartered accountant.

Advisory in nature; we do not guarantee funding. Funding decisions rest solely with the lenders concerned.

CFO Services

Part-time, CFO-level financial leadership, scaled to the needs of the client, whether an operating business or a family, covering:

Business CFO, for MSMEs and operating businesses. Disciplined, part-time financial leadership for MSMEs that need CFO-level oversight without hiring a full-time CFO. This includes financial planning and budgeting, MIS and performance reporting, cash flow and working capital monitoring, coordination on compliance and regulatory matters, and support on growth-related financial decisions, including debt funding readiness.

Family Office CFO, for HNI families. Disciplined financial oversight for family-owned businesses and families, covering consolidated financial reporting across family entities and assets, coordination on wealth structuring and succession planning support, and ongoing visibility into overall family finances, without requiring a full-time, in-house hire.

We are an independent financial advisory and documentation firm. We are not a SEBI-registered merchant banker, investment adviser or portfolio manager, an RBI-regulated lender or NBFC, or an authorised dealer. We do not accept deposits or investor funds, guarantee funding, or act as agent of any lender. Nothing on this website is an offer or solicitation to buy or sell any security, or investment advice. Funding decisions rest solely with the lenders concerned. Read the full disclaimer.

Our approach

Advisory built on discipline, not routine.

Focus beyond routine compliance.

Deep experience with promoter-driven organisations.

Practical, hands-on advisory support.

Appropriate, considered financial structuring.

Professional ethics and confidentiality.

The founder

Utsav Shah

Fellow CA · CS · 15+ Years

Utsav Shah brings extensive experience in debt funding advisory, strategic CFO advisory, transaction and deal assistance, and management consulting across diverse industries. He has advised businesses on strategic finance, business transformation, financial systems, regulatory compliance, and value creation.

His experience spans multiple sectors, including real estate, renewable energy, healthcare, manufacturing, and financial services. He has worked with real estate developers on strategic CFO assignments and RERA-related matters, while also advising renewable energy businesses on project feasibility, funding support, and growth strategy.

His expertise further extends to non-conventional practice areas and need-based, custom service solutions.

Capital. Clarity.
Control.

Ways we create value.