Loan Restructuring / Revival
Practical financial turnaround and restructuring advisory before accounts slip into formal NPA.
Advisory support for stressed MSME accounts, SMA classification management, and one-time settlements (OTS).
- MSMEs undergoing operational stress due to delayed payments or industry disruption
- Businesses seeking structured resolution with lenders
Common challenges
- Temporary cash flow crunch resulting in SMA-0, SMA-1, or SMA-2 classification with lending banks.
- Threat of recovery notices under SARFAESI Act or DRT proceedings.
- Unviable existing repayment schedule following unexpected market or raw material shocks.
How we help
- Assessing core business viability and debt-carrying capacity under stressed conditions.
- Drafting restructuring proposals under RBI MSME restructuring frameworks (re-schedulement of term loan, FITL, etc.).
- Transparent negotiation support for restructuring or amicable One Time Settlement (OTS).
Our process
- 1
Stress Diagnostic
Identify root cause of default (operational vs capital structure).
- 2
Viability Assessment
Determine realistic sustainable debt level and required repayment holiday.
- 3
Proposal to Banks
Submit structured restructuring plan to bank branch and regional credit committee.
Documents usually required
0 of 3 readyTick what you already have. Lenders may ask for more depending on your case.
Frequently asked questions
Can an MSME account be restructured without going to NCLT?
Yes, RBI provides dedicated frameworks for out-of-court resolution and restructuring of stressed MSME accounts directly through bank committees.
We do not guarantee loan sanctions or subsidy approvals. Lending and subsidy decisions are made by banks, NBFCs and government departments after their own appraisal.