The most common challenges that small and medium sized (SMEs) enterprises face are - Inefficient cash flow management- Poor financial planning &- Low savings. This leads to a shift in focus of the management team from Business Growth to merely survival and sustenance.I have 15 + years of experience in providing financial consultation to service sector SMEs on Efficient Cash flow management, Financial Planning leading to robust savings and growth. This not only reduces the stress of the management team but it gives them a chance to stay away from day to day firefighting and focus more on Business Expansion and Growth,Areas of expertise and experience are in following fields • Financial Management• Projection & planning • Investments• Costing• Relationship Management• Intercompany company transactions • Fund management• Business Partnering • People management • Project Management• Taxation and planning