Debt Help
Debt Resolution for Indian SMEs
Stressed accounts, NPA classification, SARFAESI notices — we have helped businesses navigate all of these. Our experts know how lenders think and negotiate on your side.
Time is critical with stressed debt. The earlier you engage, the more options you have. Most accounts can be resolved before legal proceedings begin.
When to Call Us
We help in these situations
NPA or Stressed Account
Your account has been classified as NPA or is on the verge. We step in early to prevent further damage.
SARFAESI Notice Received
You have received a notice under SARFAESI Act. We help you understand your rights and respond appropriately.
Multiple Lender Dues
You owe multiple banks and are struggling to service all loans simultaneously. We consolidate and restructure.
Business Turnaround Needed
Your business is viable but temporarily stressed. We build a turnaround plan acceptable to lenders.
Our Process
How we resolve your debt
Debt Assessment
We evaluate your total outstanding debt, repayment history, cash flows, and asset position to understand the full picture.
Strategy Design
Our experts design a resolution strategy — restructuring, OTS (One Time Settlement), or renegotiation depending on your situation.
Lender Negotiation
We liaise directly with banks and NBFCs on your behalf, using our relationships to negotiate terms in your favour.
Resolution & Closure
We guide you through documentation and ensure the agreement is executed correctly, protecting your assets and credit reputation.
FAQs
Common questions
Will debt resolution affect my credit score?
Any restructuring or settlement will be reflected on your CIBIL report. However, resolving the account is always better than leaving it unresolved. We help you negotiate terms that minimise credit score impact.
What is an OTS (One Time Settlement)?
OTS is an agreement where the lender accepts a lump sum lower than the total outstanding to close the account. It requires lender board approval. We manage this entire process on your behalf.
Can you help if SARFAESI proceedings have already started?
Yes. Even after a SARFAESI notice or DRT filing, there is a window to negotiate. Time is critical — contact us immediately and we will assess your options.
How long does debt resolution take?
Simple restructuring cases can resolve in 4–8 weeks. OTS and complex NPA cases typically take 3–6 months depending on lender responsiveness and documentation.
Don't wait until it's too late.
The best resolutions happen before legal proceedings begin. Talk to us today.
Book a Free Consultation →