• FINANCIAL TURNAROUND & STABILIZATION ✱ 30+ YEARS IN FINANCE ✱ DIAGNOSIS BEFORE PRESCRIPTION

Know Where Your Business Stands in 10 Hours.

Know Where Your Business Stands in 10 Hours.

Know Where Your Business Stands in 10 Hours.

A scoped diagnosis in 48 to 72 hours, and a partner who stays through the execution.

A scoped diagnosis in 48 to 72 hours, and a partner who stays through the execution.

A scoped diagnosis in 48 to 72 hours, and a partner who stays through the execution.

Experience across finance, teaching, leadership and transformation

  • CPA

  • MBA

  • 30+ Years

  • Drexel University · Adjunct Faculty

  • Chair · Parliament of the World’s Religions

  • Founder · Ahinsa Way of Life

About Nitin

NAJ Advisory is built around 30+ years in finance, transformation and executive decision-making. The work is not about making forecasts look better. It is about understanding what is happening, what choices exist, and what needs to happen next. Nitin brings that experience to owners under financial pressure, with diagnosis first, a clear road map, and support through execution. No prescription without a diagnosis.

Years

28959753
07204479
+

Years across finance, transformation and executive leadership.

Years

94655073
03218807
+

Years across finance, transformation and executive leadership.

Years

81223593
00243691
+

Years across finance, transformation and executive leadership.

Savings

62708581
03445612
60699870
M

Savings over 2 years of major transformation work.

Savings

63012001
03426086
52335270
M

Savings over 2 years of major transformation work.

Savings

82988061
03527118
87224420
M

Savings over 2 years of major transformation work.

Due Diligence

57105114
51650378
59501320
M

Led financial due diligence for a $450M private bond placement.

Due Diligence

87121514
59382228
40496440
M

Led financial due diligence for a $450M private bond placement.

Due Diligence

71674264
56379059
34694980
M

Led financial due diligence for a $450M private bond placement.

Turnaround

10174103
months

Bankruptcy turnaround for an iconic New York health and fitness brand.

Turnaround

65658983
months

Bankruptcy turnaround for an iconic New York health and fitness brand.

Turnaround

36292793
months

Bankruptcy turnaround for an iconic New York health and fitness brand.

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Nitin Ajmera

Services

Financial Clarity Under Pressure

Financial Distress Diagnosis

Find the financial problem before it gets worse.

Cash Flow Stabilization

Restore cash visibility and regain weekly financial control.

Turnaround & Rebuild

Build the budget, KPIs and operating path forward.

Strategic CFO Oversight

Stay accountable with ongoing strategic financial oversight.

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Nitin Ajmera

Services

Financial Clarity Under Pressure

Financial Distress Diagnosis

Find the financial problem before it gets worse.

Cash Flow Stabilization

Restore cash visibility and regain weekly financial control.

Turnaround & Rebuild

Build the budget, KPIs and operating path forward.

Strategic CFO Oversight

Stay accountable with ongoing strategic financial oversight.

image
image
image
Nitin Ajmera

Services

Financial Clarity Under Pressure

Financial Distress Diagnosis

Find the financial problem before it gets worse.

Cash Flow Stabilization

Restore cash visibility and regain weekly financial control.

Turnaround & Rebuild

Build the budget, KPIs and operating path forward.

Strategic CFO Oversight

Stay accountable with ongoing strategic financial oversight.

How It Works

A Clear Path From Distress to Control

STEP 01

Diagnose

Spend 10 focused hours understanding the numbers, obligations and pressure points. Receive a scoped diagnosis and prioritized action list within 48 to 72 hours.

STEP 01

Diagnose

Spend 10 focused hours understanding the numbers, obligations and pressure points. Receive a scoped diagnosis and prioritized action list within 48 to 72 hours.

STEP 02

Stabilize

Turn diagnosis into action through weekly cash management, lender and vendor support, and a cost-reduction plan the business can actually sustain.

STEP 02

Stabilize

Turn diagnosis into action through weekly cash management, lender and vendor support, and a cost-reduction plan the business can actually sustain.

STEP 03

Rebuild

Rebuild with a 12-month budget, KPI dashboard and ongoing CFO oversight so the business understands what comes next.

STEP 03

Rebuild

Rebuild with a 12-month budget, KPI dashboard and ongoing CFO oversight so the business understands what comes next.

STEP 01

Diagnose

Spend 10 focused hours understanding the numbers, obligations and pressure points. Receive a scoped diagnosis and prioritized action list within 48 to 72 hours.

STEP 02

Stabilize

Turn diagnosis into action through weekly cash management, lender and vendor support, and a cost-reduction plan the business can actually sustain.

STEP 03

Rebuild

Rebuild with a 12-month budget, KPI dashboard and ongoing CFO oversight so the business understands what comes next.

STEP 02

Stabilize

Turn diagnosis into action through weekly cash management, lender and vendor support, and a cost-reduction plan the business can actually sustain.

STEP 03

Rebuild

Rebuild with a 12-month budget, KPI dashboard and ongoing CFO oversight so the business understands what comes next.

Proof & Stories

Proof From Decisions Under Pressure

<3 Months

Turnaround from bankruptcy for an iconic New York health and fitness brand.

<3 Months

Turnaround from bankruptcy for an iconic New York health and fitness brand.

<3 Months

Turnaround from bankruptcy for an iconic New York health and fitness brand.

$100M

Savings over 2 years of major transformation work.

$100M

Savings over 2 years of major transformation work.

$100M

Savings over 2 years of major transformation work.

$450M

Led financial due diligence for a $450M private bond placement.

$450M

Led financial due diligence for a $450M private bond placement.

$450M

Led financial due diligence for a $450M private bond placement.

30+ Years

Finance, turnaround, systems and business transformation experience.

30+ Years

Finance, turnaround, systems and business transformation experience.

30+ Years

Finance, turnaround, systems and business transformation experience.

Principles

The Principles Behind the Work

  • No prescription without a diagnosis.

    Nitin’s Approach

    Nitin Ajmera

  • I know how to multiply by 2. The question is what is the road map to get there.

    On Forecasting

    Nitin Ajmera

  • You never, never burn the bridge.

    On Relationships

    Nitin Ajmera

  • I will teach them how to fetch, and not have it delivered on a plate.

    On Advisory

    Nitin Ajmera

  • Are you the problem or the solution?

    On Leadership

    Nitin Ajmera

  • When was the last time you did something for the first time?

    On Possibility

    Nitin Ajmera

No prescription without a diagnosis.

Nitin’s Approach

Nitin Ajmera

I know how to multiply by 2. The question is what is the road map to get there.

On Forecasting

Nitin Ajmera

You never, never burn the bridge.

On Relationships

Nitin Ajmera

I will teach them how to fetch, and not have it delivered on a plate.

On Advisory

Nitin Ajmera

Are you the problem or the solution?

On Leadership

Nitin Ajmera

When was the last time you did something for the first time?

On Possibility

Nitin Ajmera

When to Talk

When the Numbers Stop Making Sense

Cash Visibility

For an owner thinking: Money is moving, but I cannot clearly see where it is going. Cash feels tighter every month · Obligations are becoming harder to sequence · Reporting explains yesterday, not tomorrow · One bad month could create a larger problem · You need clarity before another decision

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Cash feels tighter every month

icon

Obligations are becoming harder to sequence

icon

Reporting explains yesterday, not tomorrow

icon

One bad month could create a larger problem

icon

You need clarity before another decision

Cash Visibility

For an owner thinking: Money is moving, but I cannot clearly see where it is going. Cash feels tighter every month · Obligations are becoming harder to sequence · Reporting explains yesterday, not tomorrow · One bad month could create a larger problem · You need clarity before another decision

icon

Cash feels tighter every month

icon

Obligations are becoming harder to sequence

icon

Reporting explains yesterday, not tomorrow

icon

One bad month could create a larger problem

icon

You need clarity before another decision

Stabilization

For a business already under pressure. Vendor pressure is increasing · Lender conversations are becoming difficult · Costs need real prioritization · Weekly cash decisions are consuming leadership · The business needs a stabilization path

icon

Vendor pressure is increasing

icon

Lender conversations are becoming difficult

icon

Costs need real prioritization

icon

Weekly cash decisions are consuming leadership

icon

The business needs a stabilization path

Stabilization

For a business already under pressure. Vendor pressure is increasing · Lender conversations are becoming difficult · Costs need real prioritization · Weekly cash decisions are consuming leadership · The business needs a stabilization path

icon

Vendor pressure is increasing

icon

Lender conversations are becoming difficult

icon

Costs need real prioritization

icon

Weekly cash decisions are consuming leadership

icon

The business needs a stabilization path

Rebuild

For a business that needs control after the immediate pressure. Build a realistic 12-month budget · Create meaningful KPIs · Restore financial discipline · Improve forward visibility · Add ongoing CFO oversight

icon

Build a realistic 12-month budget

icon

Create meaningful KPIs

icon

Restore financial discipline

icon

Improve forward visibility

icon

Add ongoing CFO oversight

Rebuild

For a business that needs control after the immediate pressure. Build a realistic 12-month budget · Create meaningful KPIs · Restore financial discipline · Improve forward visibility · Add ongoing CFO oversight

icon

Build a realistic 12-month budget

icon

Create meaningful KPIs

icon

Restore financial discipline

icon

Improve forward visibility

icon

Add ongoing CFO oversight

Meet Nitin

One Advisor. Many Perspectives.

One Advisor. Many Perspectives.

One Advisor. Many Perspectives.

30+ years across finance, transformation, leadership and teaching have shaped one approach: understand the problem clearly, then decide what comes next.

01

CFO & TURNAROUND ADVISOR

Financial clarity, stabilization and decision-making under pressure.

02

EDUCATOR

Turning complex ideas into practical questions, tools and decisions.

03

LEADER & SPEAKER

Experience from boardrooms, classrooms and stages.

“No prescription without a diagnosis.”

Common Questions

Clear Questions. Clear Answers.

Clear Questions. Clear Answers.

Clear Questions. Clear Answers.

What businesses does NAJ Advisory work with?

NAJ Advisory is initially focused on owners and managers of businesses with approximately $1M to $25M in annual revenue and 5 to 500 employees, particularly when cash visibility or financial stability has become a concern. Nitin works in person across New York City, Long Island, New Jersey and Connecticut.

What happens during the first phase?

Nitin spends approximately 10 focused hours understanding the business, the numbers, obligations and immediate pressure points. The result is a scoped diagnosis and prioritized path forward.

How quickly will I receive the diagnosis?

The intended turnaround for the scoped Phase 1 delivery is approximately 48 to 72 hours, depending on the situation and information available.

Does Nitin stay involved after the diagnosis?

Yes. Diagnosis is Phase 1. Where appropriate, Phase 2 focuses on stabilization and Phase 3 on rebuilding financial visibility, budgets, KPIs and ongoing CFO oversight.

Is this the same as bookkeeping or accounting?

No. Bookkeeping records what happened. NAJ Advisory focuses on understanding what is happening now, what choices exist, and what needs to happen next.

Can Nitin speak at our conference or leadership event?

Yes. Nitin is available for selected speaking opportunities around financial decision-making, turnaround, leadership under pressure, integrity and lessons from 30+ years in business.

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From Nitin

Practical Notes for Owners Under Pressure

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From Nitin

Practical Notes for Owners Under Pressure

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From Nitin

Practical Notes for Owners Under Pressure