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Vishnoi Sunil & Associates · Chartered Accountants

Capital, compliance and IP. Handled.

One firm for every number your business runs on.

Try the CMA Lab Talk to a CA

Get the highlights.

From a project report to a sanction letter. From a trademark search to a registration certificate. From marketplace payouts to monthly returns. We manage the numbers that move your business forward.

Project Finance & Debt Syndication

From idea
to disbursement.

One accountable team from the first conversation to the day the funds reach your account — with CMA data and DPRs prepared by an ex-credit manager who has appraised proposals from the lender's side.

Funding file · Manufacturing expansion
Funding requirement ₹ 4.50 Cr
Term loan 72.6%Promoter 27.4%
  • Project cost ₹ 6.20 Cr
  • Promoter contribution ₹ 1.70 Cr
  • Working capital need ₹ 1.10 Cr
CMA data · 7-year projection (₹ Cr)
FY27FY28FY29
Revenue8.410.111.9
EBITDA1.261.561.87
DSCR1.621.842.05
Current ratio1.341.411.48
Reviewed by ex-credit manager
Lender responses
  • Public sector bank9.40%
  • Private bank9.15%Best terms
  • NBFC11.25%

3 term sheets received · negotiated on your behalf

Disbursed

Sanction, documentation and disbursement — coordinated end to end.

  1. 01

    Assess

    We understand the project, the promoters and the real funding requirement — before a single number goes to a bank.

  2. 02

    Structure

    An ex-credit manager prepares your CMA data and DPR, with DSCR, IRR, break-even and working-capital assessment built to survive appraisal.

  3. 03

    Syndicate

    Your case goes to the public sector banks, private banks and NBFCs best suited to it. We negotiate the terms.

  4. 04

    Disburse

    Sanction letter, documentation, disbursement. We stay with you until the funds land.

  • Detailed Project Reports
  • CMA data
  • 5–7 year projections
  • DSCR & IRR
  • Working capital limits
  • Term loans
  • CC / OD enhancement
  • Loan takeover & top-up
  • CGTMSE
  • Subsidy linkage

Live CMA & Debt Serviceability Lab

Will the bank
say yes?

Move the numbers and watch a credit desk's view of your proposal change in real time.

Average DSCR 1.88× Comfortable
Monthly EMI
—
Annual debt service
—
Interest cover, year 1
—
Term debt / EBITDA
—
EBITDA margin
—
Loan supportable at 1.5×
—
Where your EBITDA goes
Debt serviceCash surplus
Indicative working-capital limit—Turnover method — 25% of turnover as requirement, 20% bank finance, 5% margin. Generally used for MSME limits up to ₹ 5 Cr.
₹ 10 L₹ 50 Cr
₹ 5 L₹ 20 Cr
7%16%
1 year15 years
₹ 25 L₹ 200 Cr

Next step

Request your CMA & Debt Syndication Blueprint.

We turn these figures into a lender-ready plan: 5–7 year CMA data reviewed by an ex-credit manager, a DSCR stress test, the right mix of term loan and working capital, and a shortlist of banks and NBFCs suited to your case.

Your figures are added to the request automatically.

Indicative only. Uses EBITDA as a simple proxy for cash available for debt service and assumes equal monthly instalments without moratorium. Actual eligibility depends on the lender's appraisal, security, promoter profile and credit history.

Intellectual Property

Protect what
makes you, you.

Advisory, registration and replies to objections — for trademarks, copyright, designs and patents. From the first search to the registration certificate.

Your brand name, logo and tagline — secured.

  • Advisory & availability search
  • Class selection & application filing
  • Replies to examination reports
  • Opposition, hearings & renewals

Software, content, artwork and publications — on record.

  • Advisory on ownership & assignment
  • Registration of literary, artistic & software works
  • Replies to discrepancy letters & objections
  • Licensing & assignment deeds

The shape, pattern and look of your product — registered.

  • Novelty advisory & prior-art check
  • Design application & representation sheets
  • Replies to examination objections
  • Renewal & cancellation matters

Inventions and processes — from idea to grant.

  • Patentability advisory & search
  • Provisional & complete specifications
  • Request for examination & FER replies
  • Hearings, annuities & MSME / startup fee benefits
  1. 01Advisory & search
  2. 02Filing & registration
  3. 03Examination replies
  4. 04Registered & renewed

Compliance Management

Compliance.
Handled.

Every return, every deadline, every notice — managed by one team that already knows your business.

%

GST

Registration to returns to representation.

  • GSTR-1, 3B, 9 & 9C
  • ITC reconciliation with GSTR-2B
  • E-invoice & e-way bill
  • Notices, audits & appeals

What's due next

–days

—

    ₹

    Income Tax & TDS

    • ITR for individuals, firms & companies
    • Tax planning & advance tax
    • TDS / TCS returns · Tax audit u/s 44AB
    • Scrutiny, notices & appeals
    ◎

    ROC & Corporate

    • Company & LLP incorporation
    • AOC-4, MGT-7, LLP Form 8 / 11
    • DIR-3 KYC & director changes
    • Share allotments & registers
    ★

    MSME & Virtual CFO

    • Udyam registration & schemes
    • MSME delayed-payment claims
    • Bookkeeping & MIS
    • Virtual CFO services
    ⌁

    E-commerce

    • Amazon, Flipkart, Meesho & own site
    • Settlement & payout reconciliation
    • TCS (GSTR-8) & 194-O matching
    • Multi-state GST

    Due dates are standard statutory dates calculated from today and may change with extensions notified by CBIC, CBDT or MCA.

    Statutory Updates · Live

    What changed.
    As it happens.

    Notifications, circulars and policy rates — read automatically from the official portals of CBIC, the Income Tax Department and the Reserve Bank of India.

    RBI policy rates

    Checking official sources…

      Official portals CBIC ↗ GST Portal ↗ Income Tax Department ↗ MCA ↗ RBI ↗

      Headlines and rates are taken from the official portals for information only and may be shortened. Always read the original notification or circular before acting on it. ROC / MCA items are added by the firm because the MCA portal does not allow automated reading. Due dates, including notified extensions, are in What's due next.

      Firm Leadership & Panel

      CA Sunil Vishnoi

      Proprietor · Vishnoi Sunil & Associates, Chartered Accountants

      A practising Chartered Accountant and proprietor advisor, dedicated to combining technical precision with strategic commercial foresight.

      Practice jurisdictionAll India
      StatusPractising CA
      Point of contactDirect
      • Project Finance
      • Debt Syndication
      • CMA & DPR
      • Intellectual Property
      • Income Tax
      • GST
      • ROC

      Supported by the firm's panel, including an ex-credit manager who prepares and reviews CMA data and DPRs.

      Simple, from the first call.

      1. 1

        Discovery call

        A short conversation about your business, funding needs and compliance status.

      2. 2

        Clear proposal

        Defined scope, timelines and transparent fees — before anything starts.

      3. 3

        Onboarding

        Documents collected digitally; past filings reviewed and anything pending fixed.

      4. 4

        Ongoing care

        Monthly work, timely reminders and a direct line to your CA.

      Let's build
      what's next.

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