A firm built around one question: what does your money need to do next?
Most businesses meet their finances in pieces — one person for the books, another for the loan file, a third when a subsidy form needs signing, a fourth when a notice arrives in the post. Sharda Associates was built to close those gaps — a single place where the money side of a business is read as one continuous story, not four unrelated errands.
- Financing
- Subsidy Schemes
- Taxation
- Compliance
- Structuring
Identity
What Sharda Associates actually is
We are not a place you visit for one document and leave. Think of us as a financial vantage point — a room where every question a business has about its money gets looked at together, instead of being handed to whichever specialist happens to be free that week.
A loan application, in our hands, is read in the same breath as the tax return it will affect twelve months later. A subsidy scheme is judged not only on whether a business qualifies for it, but on what accepting the money will mean for its books three years down the line. Nothing that reaches our desk is treated as a stand-alone task — because in a real business, nothing about money ever really is.
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Approach
How we actually go about the work
Start from the business, not a template
These aren’t five separate departments that happen to share a letterhead. They’re five angles on the same set of decisions a business keeps having to make — which is why we insist on handling them together.
Understand the reader before the paperwork
These aren’t five separate departments that happen to share a letterhead. They’re five angles on the same set of decisions a business keeps having to make — which is why we insist on handling them together.
Range
The ground we cover, and why it's one ground
These aren’t five separate departments that happen to share a letterhead. They’re five angles on the same set of decisions a business keeps having to make — which is why we insist on handling them together.
Where the money comes from
Building the case for capital
Loans, equity, working-capital lines, or a first round from an investor — each is really an argument, made on paper, for why a business deserves the money. We build numbers that hold up under questioning, not numbers that merely look tidy.
What the state is willing to give
Reading the fine print of public schemes
Government support exists in dozens of forms, most of it buried in eligibility clauses few people read to the end. We spend our time there so a business only has to deal with what actually applies to it.
The ongoing conversation with tax
Keeping the state's other hand informed
Filing a return is the easy part. The harder part is the years-long relationship with tax authorities — planning ahead so nothing is a surprise, and standing beside a client when a notice or scrutiny arrives.
Staying inside the lines
The quiet discipline of compliance
Registers, filings, board minutes, statutory records — none of it is glamorous, and all of it keeps a business legally sound enough to survive an audit or ownership change without a scramble.
The shape of the business itself
Structuring for what comes next
Sometimes the real question isn’t a loan or a filing — it’s whether the business is even structured correctly for where it’s headed: a merger, a foreign investment, a change in ownership, or simply outgrowing the structure it started with. We work through that with the same care we’d give a tax return, because the consequences last just as long.
Good advice looks obvious in hindsight. Getting there first is the actual job.
Clients
Who tends to sit across the table from us
Clients
People starting something for the first time
A first loan application, a first registration, a first brush with GST — the questions are basic, but getting the first answer wrong is expensive, so we slow down here rather than rushing it.
Established businesses
Businesses that have outgrown guesswork
Once a business has some history behind it, the questions get sharper — expansion financing, restructuring, a subsidiary, a due-diligence request — and the margin for a wrong answer gets smaller.
Clients
People starting something for the first time
An NRI with income in two countries, a foreign company setting up here, a domestic business taking on an overseas partner — this is where local rules and international rules have to be read against each other.
If your business has a money question it hasn't found the right room for yet — this is that room.
We’d rather have one honest conversation about what you actually need than have you guess which of five services to pick from a menu. Start there, and we’ll work out the rest together.