Use Case
Built for Water and Drainage Contractors.
Projects run 3–5 years. Government releases are highly irregular. Compound interest accumulates invisibly. FINIRIX makes every figure visible — across the full project timeline.
The Challenge
Long project timelines make compounding interest invisible
An OD at 11.5% running for 36 months on ₹40 lakhs costs over ₹13 lakhs in interest. Without daily tracking, this cost is invisible until the bank statement arrives — long after the margin calculation is useless.
Government department releases are highly irregular
Water and drainage departments often delay releases by 4–6 months with no advance notice. You are bridging-financing from your OD the entire time, but no one is tracking the cost of that bridge.
DLP retention is forgotten in the books
The Defect Liability Period begins at substantial completion — which may be 2–3 years into the project. Contractors routinely forget to follow up on DLP retention, leaving lakhs unclaimed.
How FINIRIX Helps
Compound interest over multi-year horizon
FINIRIX calculates daily interest across the full borrowing life, even across years. The accrued interest is always visible and attributed to the correct contract.
Projected P&L at completion
Using current burn rate and the remaining release schedule, FINIRIX projects your final margin — so you can see where the project is heading, not just where it has been.
DLP retention alerts
Set the DLP period when you mark a project as substantially complete. FINIRIX alerts you when the DLP window closes and the retention becomes claimable.
Relevant Features
The Founding 100
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