Your business deserves a financial brain — not just a CA who files returns.
Most businesses run on gut feeling when it comes to money. Bebaak changes that. We give you clarity on where your money is, where it is going, and what your bank or investor will think — before they do.
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Works alongside your CA
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Delhi NCR · GCC · US
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Plain language always
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Cancel anytime
Bank Readiness·Investor MIS·Plain Language Finance·Monthly MIS·MSME Advisory·CMA Preparation·GCC Partnerships·Fractional CFO·WhatsApp-first·Bank Readiness·Investor MIS·Plain Language Finance·Monthly MIS·MSME Advisory·CMA Preparation·GCC Partnerships·Fractional CFO·WhatsApp-first·
The problem
Does any of this sound uncomfortably familiar?
01
The bank said no — again.
Your business is doing well. You have orders, customers, and revenue. But the bank looks at your papers and shakes its head. Nobody explained why — or what to fix.
02
You don't know your own numbers.
Your CA handles filing. Your accountant handles Tally. But nobody tells you what is actually happening to your money in plain language, once a month, before it becomes a crisis.
03
Investors want a deck. You have a Tally printout.
You know your business is fundable. But nobody helped you tell that story in the language investors understand. The gap between your reality and their expectation is fixable.
04
Cash is tight — but you don't know why.
Revenue looks fine. But there is never enough cash. Something is leaking. Nobody has told you where — and the annual audit report does not help when the problem is today.
What Bebaak does
We sit inside your business — without being on your payroll.
Your CA does compliance. Your accountant does Tally. Bebaak does what neither of them does — the strategy, the bank story, the investor narrative, the monthly clarity in plain language that actually helps you make decisions.
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Bank Readiness
CMA data, credit narrative, ratio analysis. Walk into your bank prepared.
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Monthly MIS
Plain-language financial snapshot on the 10th of every month via WhatsApp.
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Investor Readiness
Board-grade MIS pack, fundraise narrative, term sheet support.
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Health Check
45 minutes. Written report. Exactly what your bank and investor see.
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GCC & US Advisory
India–GCC structuring, cross-border finance, NRI repatriation, US corridor.
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On-Call Finance Brain
WhatsApp your finance question. Straight answer. No meeting request.
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We don't replace your CA. We do what your CA doesn't — the strategy, the story, the bank conversation, the investor narrative. The part that actually moves your business forward.
How it works
Three steps. No complexity.
1
₹10,000 · One time
The Health Check
45 minutes. We look at your last 2 years of numbers honestly and plainly. Written report within 24 hours — what is strong, what is a risk, and what your bank or investor would say if you walked in today.
Refund guarantee
2
₹20K–50K · 30-day project
The Fix
Bank-ready or investor-ready package. CMA, financial narrative, ratio analysis, and the exact document your relationship manager needs to say yes. Fixed price, fixed timeline, no surprises.
50% advance · balance on delivery
3
₹25K–2L/month
The Partnership
Your ongoing financial co-pilot. Monthly MIS on the 10th. One review call. Bank score updated quarterly. WhatsApp access for quick questions. We run in the background so you can run your business.
Cancel anytime
Simple pricing
You always know what you're paying.
Starter
₹10,000
one time + GST
Health Check
45-min financial diagnostic
Written report in plain language
Bank readiness signal
Investor readiness signal
3 priority actions
Full refund if not valuable
Most chosen
₹25–50K
per month + GST
Growth Partner
Monthly MIS report
One 45-min review call
Bank readiness score
Compliance calendar
WhatsApp access (3/mo)
Cancel anytime
Funded startups
₹50K–2L
per month + GST
Co-Pilot CFO
Investor-grade MIS pack
Board deck narrative
Burn & runway tracking
Fundraise narrative
Weekly touchpoint
Term sheet guidance
Start today
45 minutes. The truth about your money.
The Health Check costs ₹10,000 and takes 45 minutes. Written report in 24 hours. If it's not worth every rupee — refund, no questions asked.
UPI payment on confirmation · WhatsApp preferred · Response within 4 hours
Your data stays with you
Works alongside your existing CA
No lock-in — cancel anytime
Delhi NCR · GCC · US
What we do
Services built for businesses that mean business.
Every service is fixed scope, fixed price, fixed timeline. No hourly billing. No vague retainers. No surprises.
01
Entry point · One time
Financial Health Check
₹10,000 + GST · 45 minutes · Report in 24 hrs
A 45-minute call where we look at your last two years of numbers — honestly and plainly. You get a written report telling you exactly what your bank sees, what your investor will ask, and what to fix first. Full refund if not valuable.
What you receive
Plain-language analysis of last 2 years P&L and Balance Sheet
Bank readiness signal — what impresses the RM and what worries them
Investor readiness signal — what your MIS is missing
3 priority actions ranked by impact
Written report PDF within 24 hours
02
Project · 30 days
The Fix — Bank & Investor Readiness
₹20,000–50,000 + GST · 50% advance
The complete package to walk into a bank or investor meeting prepared. CMA data, financial narrative, ratio analysis, and the exact document your relationship manager or VC needs. Fixed price, 30-day timeline.
What you receive
CMA data prepared in bank-ready format
Financial narrative — one page, plain language
Ratio analysis with plain-language explanation
Bank readiness score (0–100)
Action plan before approaching bank or investor
03
Recurring · Monthly
Growth Partner — Monthly MIS
₹25,000–50,000/month + GST
For MSMEs, exporters, and family businesses who want a financial co-pilot without the cost of a full-time CFO. Monthly MIS on the 10th, one review call, bank score quarterly, WhatsApp access for quick questions.
Every month
Monthly MIS — P&L, cash, working capital — by the 10th
Plain-language WhatsApp summary on delivery
One 45-minute review call per month
Bank readiness score update (quarterly)
Up to 3 WhatsApp queries per month
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Recurring · Startup
Co-Pilot CFO
₹50,000–2,00,000/month + GST
For seed-to-Series A startups who need investor-grade financial reporting without the ₹1.5Cr cost of a full-time CFO. Board MIS pack, fundraise support, investor narrative, weekly touchpoint. Built by a former CFO of a ₹3,000Cr fund.
Every month
Investor-grade MIS pack (board format) by the 10th
Board deck narrative and variance commentary
Burn rate, runway, MRR, CAC tracking
Fundraise narrative and pitch support
Weekly touchpoint — call or WhatsApp
Where we work
India. GCC. United States. Wherever Indian business goes.
Bebaak was built for Indian businesses — and the markets they serve, expand into, and raise capital from.
Three markets. One co-pilot.
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India
Primary market · Delhi NCR base
63 million MSMEs. 3 million businesses between ₹1–100Cr revenue that are too complex for a solo CA and too small for the Big 4. Bebaak's home market — entirely unserved at an accessible price point. Starting Delhi NCR, expanding pan-India via WhatsApp-first delivery.
Delhi NCRMSMEExportersFunded startupsFamily business
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GCC
UAE · Saudi · Qatar · Kuwait
3.5 million Indian entrepreneurs operate across the GCC. They face a unique challenge: Indian business structures, GCC banking and regulatory frameworks, and India–GCC cross-border financial structuring that almost nobody provides. Bebaak serves NRI business owners, Indian companies expanding into GCC, and GCC investors wanting India exposure — all via WhatsApp and video.
NRI advisoryIndia–GCCRepatriationADGMDIFC
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United States
US–India corridor · Diaspora
The Indian diaspora in the US operates a $100B+ business ecosystem. Bebaak serves two corridors: Indian-American entrepreneurs managing India entities, and US-based investors or VCs evaluating Indian investments who need a trusted India finance partner. All services delivered remotely across time zones.
India GTMDiasporaUS–IndiaVC partnerDue diligence
Partner with Bebaak
Are you a CA firm, incubator, or business association?
Bebaak works alongside — never instead of — existing CA firms, incubators, coworking spaces, and trade associations. If your members need bank readiness, investor MIS, or plain-language financial guidance, let's explore a referral or white-label arrangement.
Who you're working with
SP
Siba Panda
CA · CS · UCLA Anderson Founder, Bebaak Delhi NCR, India
"I've been the person on both sides of the table — asking for money and deciding who gets it."
I'm a Chartered Accountant and Company Secretary with 20+ years across capital, finance, and operations — as CFO of Stride Ventures (₹3,000Cr venture debt fund), finance head at Oxford University Press and American Tower, and now founder of Indizign, a manufacturing platform exporting to 15 countries.
I started Bebaak because I kept seeing the same thing: great businesses losing to poor financial presentation. Banks saying no to businesses that deserved a yes. The gap is fixable — and fixing it is exactly what I do.
CA (ICAI)CS (ICSI)UCLA AndersonCFO — Stride VenturesOxford University PressAmerican TowerFounder — Indizign
Bebaak Reads
Finance in plain language. No jargon. No agenda.
Straight answers to the financial questions every Indian business owner should be asking — but nobody has explained.
Featured · Bank Readiness
Why your bank said no — and what you can actually do about it
Siba Panda · June 2025 · 8 min read
Your revenue is growing. Your customers are paying. But your bank's relationship manager keeps sending regret letters. Here is the honest, specific reason why — and the exact steps to turn a no into a yes in 60 days.
Working Capital
DSCR, TOL/TNW, Current Ratio — what these actually mean for your business
Siba Panda · May 2025 · 6 min read
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Investor Readiness
What a VC actually looks at in your MIS — and what most founders miss
Siba Panda · April 2025 · 7 min read
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GCC Finance
India–UAE business structuring: what every NRI entrepreneur should know
Siba Panda · March 2025 · 9 min read
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MSME Credit
The 5 documents your bank will always ask for — and how to prepare them
Siba Panda · February 2025 · 5 min read
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Plain Language Finance
The 5-line monthly financial report every business owner should receive
Siba Panda · January 2025 · 4 min read
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Startups
When to hire a full-time CFO vs when a fractional one is enough
Siba Panda · December 2024 · 6 min read
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The Bebaak Brief
Monthly finance newsletter. Plain language. No jargon. Straight to your inbox.
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Quick links
Get in touch
Start with a conversation. No pitch. No obligation.
Tell us about your business and what you need. We respond within 4 hours on business days.
How to reach Bebaak
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WhatsApp (preferred)
Fastest response. Book a Health Check or ask a question directly.
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Email
siba@sibapanda.com
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Based in
Dwarka, New Delhi, India
IndiaGCCUS
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Web
bebaak.co · sibapanda.com
WhatsApp — fastest way to start
Send a message directly. Book the Health Check. Ask a question about your finances. We are on WhatsApp every business day 9am–7pm IST.
Send an enquiry
We respond within 4 hours · Your information stays confidential