MeraFinanceWala
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Trusted by 10,000+ entrepreneurs across India

Our Services

Advisory & Consulting

Expert legal and financial guidance for every critical business decision.

500+

Contracts Drafted

15+

Years Combined Experience

100%

Confidential

Free

Initial Consultation

What is Advisory & Consulting?

Every critical business decision has legal and financial implications. Signing a contract without proper legal review can expose you to unlimited liability, unfavourable dispute resolution clauses, or intellectual property rights you did not intend to transfer. Onboarding an investor without a shareholders agreement can lead to loss of control over your company. Acquiring a business without due diligence can mean inheriting undisclosed liabilities, tax defaults, or regulatory violations.

Legal and financial advisory is not just for large corporations — small businesses and startups face equally complex decisions with potentially larger proportional impact. A poorly drafted founder agreement can destroy a startup when founders fall out. A bad vendor contract can lock a small business into unfavourable terms for years. A tax structure chosen without advice can cost lakhs in avoidable taxes.

Our advisory team comprises experienced Chartered Accountants, Company Secretaries, and empanelled advocates who provide practical, business-friendly guidance. We do not just tell you what the law says — we help you understand the commercial and risk implications of each option and recommend the most suitable course of action for your specific situation.

Our philosophy is preventive — addressing legal risks before they materialise is always less expensive than resolving disputes after they have arisen. A well-drafted contract, a clear shareholders agreement, a thorough due diligence report, or a properly structured business reorganisation can save you crores in legal fees, tax penalties, and business value destruction.

We work as a trusted advisor rather than a transactional service provider — getting to know your business, your goals, and your risk appetite, and providing advice that is contextual, practical, and commercially sound.

Services Under Advisory & Consulting

Explore everything we offer under this category — each service handled by dedicated experts.

C

Contract Drafting & Review

Contracts are the foundation of every business relationship. We draft and review a wide range of commercial contracts: vendor agreements, service agreements, non-disclosure agreements (NDAs), non-compete agreements, employment contracts, lease agreements, distribution agreements, reseller agreements, software licensing agreements, and website terms and policies. Our reviews flag risky clauses, missing protections, unclear dispute resolution mechanisms, and intellectual property rights issues — giving you a clear picture of what you are signing.

Best for: All businesses entering into any form of commercial agreement — particularly with customers, vendors, partners, employees, or investors.
S

Shareholders Agreement & Founder Agreements

A Shareholders Agreement (SHA) governs the relationship between shareholders, their rights and obligations, share transfer restrictions (right of first refusal, tag-along, drag-along), anti-dilution provisions, board composition, reserved matters requiring unanimous consent, dividend policy, and exit mechanisms. A well-drafted SHA prevents disputes and protects minority shareholders. Founder Agreements additionally cover IP assignment, vesting schedules, roles, and what happens if a founder leaves. These documents are essential before onboarding investors.

Best for: Startups with multiple founders, businesses about to receive investment, companies with multiple shareholders, and any business where ownership structure matters.
B

Business Due Diligence

Due diligence is a systematic investigation of a business before a significant transaction — acquisition, merger, investment, joint venture, or partnership. Legal due diligence covers corporate records, contracts, litigation, IP ownership, regulatory compliance, and employment records. Financial due diligence covers accounting policies, revenue recognition, contingent liabilities, working capital, and historical financials. Tax due diligence covers open assessments, pending demands, TDS defaults, and GST compliance. We produce a detailed due diligence report with risk rating and recommendations.

Best for: Investors evaluating target companies, acquirers considering business purchases, PE/VC funds, businesses entering joint ventures, and any party to a significant transaction.
B

Business Restructuring Advisory

Businesses evolve and sometimes the original structure is no longer optimal — a proprietorship ready to scale needs to become a company, two LLPs want to merge, a group structure needs rationalisation, or a company wants to spin off a division. We advise on the most efficient restructuring options considering tax implications (especially capital gains), stamp duty, regulatory approvals required, and timeline. We also handle the execution — drafting the necessary documents, filing regulatory applications, and completing the transaction.

Best for: Growing businesses outgrowing their legal structure, group companies wanting rationalisation, businesses preparing for investment or acquisition, and family businesses planning succession.
F

Foreign Investment & FEMA Advisory

Foreign investment in India is governed by the Foreign Exchange Management Act (FEMA), the Foreign Direct Investment Policy, and RBI regulations. Businesses receiving foreign investment must comply with reporting requirements — FC-GPR within 30 days of share allotment, annual return on foreign assets and liabilities, and sector-specific conditions under the Automatic or Government route. We advise on permissible structures for foreign investment, pricing guidelines under FEMA, compliance with sectoral caps, and mandatory RBI filings.

Best for: Indian businesses receiving foreign investment, startups with foreign investors, businesses with NRI shareholders, and companies making overseas investments.
L

Legal Opinions & Risk Assessment

A formal legal opinion provides a written assessment of the legality, risk, and implications of a specific business action — entering a new business area, a proposed transaction structure, response to a regulatory notice, or interpretation of a contract clause. Legal opinions are required by banks, investors, and counterparties as part of due diligence. Our opinions are clear, concise, and commercially focused — providing actionable guidance rather than purely academic analysis.

Best for: Businesses facing complex regulatory questions, companies considering new business lines, and parties requiring formal written legal opinions for transactions.

How It Works

Our step-by-step process ensures a smooth, transparent experience from start to finish.

01

Initial Consultation

We understand your specific situation, the transaction or decision at hand, your objectives, and your risk appetite. This briefing helps us scope the advisory engagement accurately and provide an upfront fee estimate.

02

Research & Analysis

Our team researches applicable laws, regulations, precedents, and market standards relevant to your matter. For due diligence, we conduct a systematic document review and information request process.

03

Draft Preparation

We prepare the contract draft, due diligence report, restructuring proposal, or legal opinion with clear explanations of each provision and its commercial significance. We use plain English where possible without sacrificing legal precision.

04

Review & Discussion

We walk you through the deliverable, explain key provisions, highlight risks, and answer questions. For contracts involving negotiation with third parties, we advise on negotiation strategy and acceptable fallback positions.

05

Finalisation

We incorporate feedback, negotiate with the other party's advisors where required, and finalise the document. For transactions, we prepare execution versions and advise on signing formalities.

06

Post-Advisory Support

We remain available for follow-up queries relating to the matter. For ongoing relationships, we provide a retainer arrangement that gives you access to advisory support as and when needed.

Documents Required

  • Relevant background documents (existing contracts, term sheets, MoUs)
  • Corporate documents (COI, MOA, AOA, shareholding pattern)
  • Financial statements for the relevant period (for due diligence)
  • Existing agreements with relevant parties
  • Regulatory licenses and registrations
  • Any notices, orders, or correspondence received
  • Details of the proposed transaction or decision

Timeline & Turnaround

NDA / Simple Agreement Drafting1–2 working days
Shareholders Agreement3–5 working days
Legal Due Diligence Report5–10 working days
Business Restructuring Plan7–14 working days
Legal Opinion3–5 working days

Why Choose MeraFinanceWala

Commercial Focus

We combine legal expertise with commercial understanding — advice that works in practice.

Strict Confidentiality

All matters handled under attorney-client privilege with strict NDAs.

Rapid Turnaround

Most advisory deliverables completed within 3–7 working days.

End-to-End Execution

From advice to document drafting to regulatory filings — one team handles it all.

Cross-Disciplinary Expertise

CA, CS, and legal professionals working together on complex matters.

Ongoing Retainer Support

Retain us for ongoing access to advisory support as your business grows.

Ready to Get Started?

Book a free consultation — our expert will call you within 24 hours.

Frequently Asked Questions

When should I get a shareholders agreement drafted?
Ideally, a shareholders agreement should be drafted at incorporation — before any co-founder, investor, or outside shareholder comes on board. Once relationships are strained or a dispute has arisen, negotiating the SHA becomes much harder and more expensive. At minimum, it must be in place before you raise your first external investment, as investors will insist on one. A good SHA takes 3–5 working days to draft and is one of the most valuable documents your company will ever have.
What is the difference between an MoU and a contract?
A Memorandum of Understanding (MoU) is typically a non-binding document that outlines the intention of parties to enter into a formal agreement — it captures agreed principles without creating legal obligations. A contract (agreement) is a legally binding document that creates enforceable rights and obligations. The distinction matters because breaching a contract can lead to damages liability, while breaking an MoU generally has no legal consequence. Some MoUs, however, do contain binding provisions (like exclusivity or confidentiality clauses) — which is why legal review is important.
What does a legal due diligence typically cover?
A standard legal due diligence for a business acquisition or investment covers: corporate records (incorporation documents, share certificates, board and shareholder resolutions), material contracts (customer agreements, vendor contracts, lease agreements, loan documents), intellectual property (trademark registrations, copyright ownership, software licenses), litigation and disputes (pending cases, arbitrations, regulatory proceedings), regulatory compliance (licenses, registrations, filings), employment records (contracts, ESOP plans, PF/ESI compliance), and encumbrances (charges, pledges, mortgages on assets).
What is an IP assignment agreement and why is it important?
An IP assignment agreement transfers ownership of intellectual property (trademarks, copyrights, patents, trade secrets) from one party to another. For startups, it is critical that founders assign all IP they create for the company to the company itself — otherwise, the IP is personally owned by the founder and the company has no legal rights to it. Investors conduct IP due diligence specifically to verify this. Similarly, when hiring developers or designers, work-for-hire or IP assignment clauses in employment contracts ensure company ownership of all created IP.
What is FEMA compliance and why does it matter for startups?
FEMA (Foreign Exchange Management Act) compliance is mandatory for Indian companies receiving foreign investment. When a startup receives investment from a foreign investor (including NRI investors), it must file Form FC-GPR with the RBI within 30 days of allotting shares. It must also file an Annual Return on Foreign Liabilities and Assets (FLA Return) by July 15th each year. Non-compliance attracts FEMA penalties of up to 3 times the amount involved. Many startups miss these filings due to lack of awareness, creating significant regulatory exposure.
Do I need a lawyer to draft a simple service agreement?
While legally you can draft any agreement yourself, having a professional draft even simple agreements pays for itself quickly. Common drafting errors include missing indemnity clauses, unclear payment terms, no late payment penalties, inadequate IP ownership provisions, no limitation of liability clause, and poorly drafted dispute resolution clauses. These gaps can make simple disputes expensive to resolve. Our service agreements are drafted by experienced professionals at a price point suitable for small businesses.

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