MSME Funding Support

Debt Restructuring & OTS Advisory

Turn around your corporate debt obligations. We advise stressed businesses on debt rescheduling, One-Time Settlements (OTS), and liquidity restructuring with institutional lenders.

Distress Financial Stress Advisory

Resolution Lender Negotiation Objective

Enquire for Restructuring / OTS

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Solutions

Restructuring & Resolution Scope

Debt Restructuring

Rescheduling principal repayments, reducing interest rates, or converting debt into structured mezzanine capital to match cash flows.

OTS Negotiations

Designing bankable One-Time Settlement plans to resolve sticky NPA accounts, negotiating maximum haircuts with lenders.

Distressed Assets

Turnaround advisory, equity infusion setups, and strategic recapitalization consulting for cash-stressed industries.

Execution Timeline

Our Structuring & Guarantee Process

Stress Audit

Audit of balance sheets, default history, and net cash flows.

Plan Drafting

Formulating a restructuring proposal or One-Time Settlement offer.

Lender Pitch

Presenting the turnaround plan to bank consortiums or ARC trustees.

OTS Settlement

Negotiating settlement terms, interest waivers, and final haircut approvals.

Re-establishing

Completing payouts, securing No Due Certificates (NDC), and clean credit rating resets.

Resolution Checklist

Original bank sanction letters & accounts statements
NPA classification notice (if issued under SARFAESI)
Audited financials for the last 3-5 fiscal years
Promoters' personal asset-liability statements
Detailed cash flow projections for the next 5 years
Bespoke One-Time Settlement (OTS) proposal drafts

Key Restructuring Errors

Unrealistic cash forecasts: Offering settlement timelines that mismatch future operating cash flows.
Delayed response to SARFAESI: Ignoring statutory bank notices instead of starting proactive dialogue.
Lack of promoter transparency: Hiding secondary assets from bank consortium examiners.
Incomplete debt grouping: Restructuring with one lender while ignoring covenants of other creditors.

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CMA Data Modeling Expertise

We structure complex financial projections that align with bank credit officer algorithms, reducing delays.

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Dedicated Liaison Desk

Our team manages day-to-day coordination with bank appraisers, ensuring prompt issue resolution.

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Pre-vetted Credit Appraisal

We flag potential compliance gaps before your file is submitted, avoiding permanent negative records on your bank file.

Stress Resolution

Professional Debt Turnaround

Resolving debt stress requires experienced advocacy. We represent your corporate case to lenders, building structured plans that demonstrate viability, securing optimal OTS terms and haircuts.

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Support

Restructuring Frequently Asked Questions

What is Debt Restructuring?

It is a formal process where lenders renegotiate loan agreements with stressed borrowers, adjusting interest rates, repayment periods, or converting unpaid interest into funded interest term loans (FITL) to match operational cash flows.

What is a One-Time Settlement (OTS)?

An OTS is a negotiated settlement where the lender bank agrees to accept a single consolidated payment that is lower than the total outstanding dues (with waivers/haircuts) as a full and final settlement of the account.