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GullyFuture
GullyFuture

Initiative · Entrepreneurship

Understand the numbers that decide whether the business can keep moving

Practical financial awareness for entrepreneurs covering cash flow, working capital, margins, pricing, credit and discipline.

Join a Finance & Cash Flow SessionContribute as a Finance Expert
Hands sort invoices and payment dates beside a calculator and business ledger.
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A profitable sale can still create a cash problem.

Revenue, profit and cash are related but not interchangeable. Entrepreneurs may grow sales while struggling to pay salaries, suppliers or taxes because collections, credit, pricing and working capital have not grown with the business.

Finance & Cash Flow sessions help founders ask better questions about the financial health of their business.

What sessions can cover

  • Revenue, gross margin and net profit
  • Cash flow versus profitability
  • Fixed and variable costs
  • Pricing and contribution
  • Receivables, payment terms and the 45-day limit for micro and small suppliers
  • Inventory and working capital
  • Basic budgets and cash forecasts
  • Financial reports entrepreneurs should review
  • Tax and compliance awareness
  • Funding readiness and financial discipline
  • Early warning signs

The practical approach

Experts use simple examples and business checklists. Participants identify figures they need to start tracking and questions to take back to their accountant or finance adviser. Sessions provide general education and do not replace individual accounting, tax, legal or investment advice.

Sessions you can pick from

Each has a page describing what it covers and how it runs. Run one, or several across a term.

Why Profitable Businesses Run Out of MoneyThe distinction that decides whether a business survives its own growth.See the sessionManaging Working CapitalThe money stuck between paying for the work and being paid for it, measured in days.See the sessionPricing for ProfitWhat to charge, and why most small businesses charge too little.See the sessionUnderstanding Your CostsWhat it really costs to make, sell and deliver, including the costs nobody wrote down.See the sessionGetting Paid: Credit, Terms and Late PaymentsWhat to do when the work is done and the money has not arrived.See the sessionBudgeting for Small BusinessesA one-page plan for the year, a monthly check against it, and no accounting degree required.See the sessionReading Basic Financial StatementsThe profit and loss account, the balance sheet and the cash-flow statement, read as an owner rather than an auditor.See the sessionBusiness Loans & Credit AwarenessHow business credit works in India, what a loan really costs, and what to check before you sign.See the sessionWorking-Capital Loans and Overdrafts: When They Help and When They TrapShort-term bank finance is meant to bridge a gap. Used for anything else, it becomes a permanent drag.See the sessionGetting Paid Faster: Invoice Discounting and TReDSTurning a customer's approved invoice into cash now, what it costs, and when it is worth it.See the sessionFunding Options for MSMEsA map of the ways a small business can be funded in India, and how to match each to its purpose.See the sessionPreparing for Bank FinanceWhat a lender looks at, and how to have your papers and your story ready before you ask.See the sessionFinancial Discipline for FoundersThe small, boring money routines that keep a growing business out of trouble.See the sessionWhen Should You Borrow?A way of thinking about borrowing: what for, how much, how it gets repaid, and what if it does not work.See the sessionFinancial Metrics Every Founder Should KnowA short list of numbers, how each is worked out, and what each one is trying to tell you.See the sessionCash Reserve PlanningDeciding how much cushion the business needs, and a plan to build it a little at a time.See the sessionCustomer Concentration RiskWhat happens to the business if its biggest customer leaves, and what to do about it now.See the sessionBuilding a Simple Founder Finance DashboardOne page, six or seven numbers, built in a spreadsheet and updated in twenty minutes a month.See the session

Who runs them

Sessions are run by people who do the work

Practitioners, not trainers. Nobody here is paid to speak.

Meet everyone
Ganesh H SGanesh H SFounder, Gully Future FoundationRanjitha RKRanjitha RKCo-Founder, Strategy & Product, Gully GroupHarveen KaurHarveen KaurCo-Founder & COO, Gully GroupAmruta MudakaviAmruta MudakaviFounder, 5th Quadrant ConsultingAnkita BMAnkita BMCo-founder, AggiCA Law AssociatesRajesh MRajesh MPM, Digital Application Engineering, Indiumsoft

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Entrepreneurs on Campus

People who built a business, talking to students who might.

Before You Start

For the business you are planning, or the one in its first year.

Entrepreneur Conversations

Real business owners. Real questions.

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Ask about Finance & Cash Flow

Tell us who you are and what you have in mind. A person reads it and writes back, usually within two working days.

  1. Tell us what you need

    A topic or a question is enough to start.

  2. A person replies

    Usually within two working days.

  3. Agree the next step

    We work out the details together.

How we look after your details

You are asking about Finance & Cash Flow. We will have that in front of us when we reply.

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How GullyFuture works

What each side brings

Most sessions are free for participants. Institutions provide the group and a suitable space. Contributors give their time and experience. GullyFuture shapes the format, coordinates the people and documents what happened.

Bring this to your group

Tell us:

  • Who the participants are
  • Their current stage
  • Approximate group size
  • City and institution or organisation
  • What you want them to understand or practise
  • Preferred timing
Bring this to your group

Contribute

You do not need to be famous or senior. You need relevant experience, the willingness to speak honestly, and respect for the no-selling rule.

You can contribute as a speaker, mentor, interviewer, reviewer, facilitator, host, partner or volunteer.

Contribute your experience

What we record

Counted from what happened, never estimated.

  • Sessions completed
  • Participants reached
  • Contributors involved
  • Practice or feedback activities completed
  • Participant usefulness feedback
  • Follow-up actions and resources provided
  • Participants who later return as contributors
See how we count

Participation is free for students and individual participants unless a programme says otherwise. Speakers may explain their work, but a session is never a sales pitch.

Know what the numbers are trying to tell you.

Join a Finance & Cash Flow session.

Join a Finance & Cash Flow SessionContribute as a Finance Expert
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