project report

If your business supplies goods or services to larger companies, you've probably experienced the frustration of waiting 60, 90, or even 120 days to get paid. Your work is done, and your invoice is raised, but the cash doesn't come—and your working capital suffers for it. The government introduced Section 43B(h) specifically to fix this problem, and since April 1, 2024, it's been one of the most meaningful protections for MSME suppliers in India's tax code. Understanding this rule matters whether you're an MSME selling to large buyers or a business that purchases from MSME vendors. The financial consequences of getting it wrong are real and significant—and for MSME owners, understanding your rights under this provision can directly strengthen your cash flow and your ability to qualify for business loans. At Sharda Associates , we work with MSME owners on everything from loan applications to financial documentation. If you're a registered MSME trying to understand...

  Building a technology product in India is hard. Getting your first meaningful round of funding is harder. Most early-stage startup founders spend months pitching to investors, only to hear the same feedback: "Come back when you have more traction." The product exists. The market opportunity is real. But without capital, scaling feels impossible. SAMRIDH was designed precisely for this gap. It's a government-backed accelerator scheme under the Ministry of Electronics and Information Technology that connects product-stage tech startups with experienced accelerators, investor networks, and matching funding of up to ₹40 lakh—at a stage when most institutional investors aren't yet willing to write a check. At Sharda Associates , we help startups and entrepreneurs prepare the financial documentation that government schemes, accelerators, and early-stage investors need before they engage seriously. A well-structured project report or financial plan is what separates a shor...

If your business regularly supplies goods or services to large companies or government departments, you already know the pain of the payment cycle. You complete the work, raise the invoice, and then wait — 30 days, 60 days, sometimes 90 days — while your supplier payments, salary commitments, and operational costs pile up. You've essentially funded your buyer's operations with your own money, and the cash to run your business is stuck in a piece of paper. Invoice financing solves this specific problem. Instead of waiting for your buyer to pay, you get an advance against that unpaid invoice — typically 80% to 90% of its value — within 24 to 48 hours. When the buyer eventually pays, the advance is settled, minus a small fee. No new collateral, no new loan, no long approval process. At Sharda Associates , we work with businesses that need financing for their operations — whether through invoice financing, working capital loans, or term loans — and help them prepare CA-certified pr...