Finance & Profitability
Cash Flow, Profitability & Business Finance
Finance discipline covering pricing, cost control, cash-flow planning and profitability improvement.
- ✓ 12 weeks · 47 lessons
- ✓ 12-month access
- ✓ AI Business Tutor
- ✓ Activates automatically after ICICI Bank confirms payment
- ✓ Bank financing assistance
Questions first? Talk to the Business Counsellor · See all 47 lessons
What you will work on
- ✓Reading your business numbers
- ✓Managing cash flow
- ✓Improving profitability
- ✓Funding, controls and the monthly review
- ✓Applied practice, case studies and revision
Who should consider it
- •Founders, MSMEs, professionals and learners interested in the relevant business pathway
- •Programme selection should match the learner's business stage and implementation goal
Full curriculum
10 modules · 47 lessons
Every core lesson follows the same teaching flow: what you need to know, a step-by-step method, a worked Indian business example, a ready-to-use template, common mistakes, a 20-minute action task and a prompt for the AI Business Tutor.
Start here — How to get results from this programmeOrientation, key terms, your baseline, the learning method and the completion standard.7 lessons
- Start here 01 — How this programme works🔒
- Start here 02 — Key terms in plain language🔒
- Start here 03 — Your business baseline🔒
- Start here 04 — The learning method: read, apply, measure🔒
- Start here 05 — First-week action workbook🔒
- Start here 06 — Progress checklist and completion standard🔒
- Start here 07 — Keeping your knowledge current🔒
Module 1 — Reading your business numbersLearn to read the three numbers that matter in any Indian small business: profit, cash and the balance sheet, and then go one level deeper to the contribution each product, service and customer makes.4 lessons
- 01 — Profit is an opinion, cash is a fact: why profitable businesses run out of moneyFree preview
- 02 — Reading your profit and loss statement: revenue, cost of goods, gross margin, operating costs, EBITDA and net profit🔒
- 03 — The balance sheet and working capital: where your profit is actually parked🔒
- 04 — Unit economics: the contribution margin of each product, service and customer🔒
Module 2 — Managing cash flowBuild a rolling 13-week cash forecast and then work the three levers that decide whether cash arrives on time: receivables, inventory and payables, including GST and statutory outflows.4 lessons
- 05 — Building a 13-week cash flow forecast in a spreadsheet🔒
- 06 — Receivables: credit policy, invoicing discipline, collection scripts and the MSME 45-day rule🔒
- 07 — Inventory and purchasing: stock turns, dead stock, reorder points and supplier terms🔒
- 08 — Payables, GST and statutory outflows: paying on time without starving cash🔒
Module 3 — Improving profitabilityLift profit without simply chasing more sales: price for margin, control the costs that do not bring in revenue, test decisions with break-even and scenarios, and decide which products, customers and channels to grow, fix or drop.4 lessons
- 09 — Pricing for margin: cost-plus versus value pricing, planned price increases and discount discipline🔒
- 10 — Controlling costs without hurting sales: fixed versus variable costs, a zero-based review and your top-10 cost lines🔒
- 11 — Break-even and scenario planning: what happens to profit when volume, price or cost moves🔒
- 12 — Product, customer and channel profitability: deciding what to grow, fix or drop🔒
Module 4 — Funding, controls and the monthly reviewChoose the right working capital finance, turn your targets into a 12-month plan, put simple financial controls in place, and run a monthly finance review on ten numbers that keeps the whole business on track.4 lessons
- 13 — Funding working capital in India: cash credit, overdraft, invoice discounting, TReDS, MSME loans, CGTMSE and Mudra🔒
- 14 — Budgeting and building a 12-month financial plan that links sales, costs and cash🔒
- 15 — Financial controls for small teams: approvals, reconciliations, fraud prevention and keeping personal and business money apart🔒
- 16 — The owner's monthly finance review: a 10-number dashboard and a 60-minute meeting agenda🔒
Applied practice, case studies and revisionWorked scenarios, common mistakes and a timed mock3 lessons
- Business cash flow and profitability: worked case studies and applied scenarios🔒
- Business cash flow and profitability: common mistakes, misconceptions and self-check Q&A🔒
- Business cash flow and profitability: revision sheet and self-test with answer key🔒
Deep-dive units — Finance for growing businessesEight advanced units for owners who want to go further: the cash conversion cycle, costing, seasonality, pricing psychology, loan readiness, taxes in the cash plan, lender and investor readiness, and building a finance team.8 lessons
- Shortening the Cash Conversion Cycle by Thirty Days🔒
- Costing Methods That Work: Job, Batch, Machine-Hour and Billable-Hour Costing🔒
- Managing Seasonality: Planning Cash for Diwali, Wedding Season and Other Peaks🔒
- Pricing Psychology and Pack Design: Tiers, Anchors and Bundles🔒
- Getting Loan-Ready: How Lenders Read Bank Statements and Credit Reports🔒
- GST, TDS and Income Tax in Your Cash Flow Forecast🔒
- What Lenders and Investors Look At and How to Prepare for Each🔒
- Building Your Finance Function: Accountant, CA, Software and Monthly Close🔒
Assignments and self-testFive self-marked assignments that turn the programme into working documents for your own business, ending with a 15-question self-test with an answer key.5 lessons
- Assignment 01 — Build your management P&L for the last three months🔒
- Assignment 02 — Build your 13-week cash forecast and protect the lowest week🔒
- Assignment 03 — A 30-day receivables and payables action plan🔒
- Assignment 04 — Profitability by product or customer, with three decisions🔒
- Assignment 05 — Self-test: 15 questions on cash, profit and business finance🔒
Practice Lab — Take control of your numbersFour hands-on sessions that put the programme to work in your own business: set up a monthly numbers sheet, run a cash forecast and collections drive, test price and cost decisions with break-even, and hold your first monthly finance review.4 lessons
- Practice 01 — Set up your monthly numbers sheet🔒
- Practice 02 — Update your cash forecast and run a two-week collections drive🔒
- Practice 03 — Test a price change and a cost change with break-even🔒
- Practice 04 — Run your first monthly finance review (capstone)🔒
Programme guide — Plan, decide and reviewStudy plan, decision framework, accuracy protocol and the 30-day review.4 lessons
- Programme guide 01 — Map, outcomes and study plan🔒
- Programme guide 02 — From concepts to decisions🔒
- Programme guide 03 — Accuracy: verifying rules and figures🔒
- Programme guide 04 — 30-day review and next steps🔒
Unlock all 47 lessons with 12-month access and the AI Business Tutor.
Enrol now · ₹12,999Before you choose a programme
Which programme should I choose?
Choose a focused programme for one defined business problem. Consider Growth Partner when you need to work across several business functions over the year. The free Business Diagnostic and the Business Counsellor can help you narrow it down.
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Click Enrol now on any programme, sign in or create your free Business LMS account, and pay the one-time fee on the company checkout through ICICI Bank’s secure page. Access activates automatically after ICICI Bank confirms the payment — usually within minutes. If the bank's confirmation is delayed, support helps. Payments are collected by Lex Orbis Education (OPC) Private Limited.
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ZELVU Business does not offer instalments or EMI: every programme fee is paid in full, upfront. If you would like a bank or NBFC to finance the fee, apply on the Fees & Bank Financing page. The lender assesses your application, completes KYC and shows its own loan terms before you sign; if it approves, it pays ZELVU the full programme fee, your programme unlocks for its full access period, and you repay the lender under its agreement. Approval is the lender's decision and is not guaranteed.
Is this a subscription or a loan?
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What is the difference between learning pace and access period?
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Run the Business Diagnostic if you are not sure which pathway matches the current constraint. If your needs move across several functions, compare the Growth Partner 12-month all-access programme.
One-time fee
₹12,999