Non-Performing Assets (NPAs) are not just a financial burden, they can severely impact a company’s operations, credit rating, cash flow, and long-term sustainability. When repayments become challenging and an account slips into SMA or NPA status, companies need specialised advisory to regain control.
At Funding & Resolution, we offer strategic NPA Advisory backed by decades of experience in bank recovery, ARC operations, restructuring, and stressed asset management. Our goal is simple:
Resolve NPAs efficiently and revive businesses within a defined timeframe.
What Is NPA Advisory?
NPA Advisory involves expert guidance to help borrowers:
- Understand their NPA position
- Plan recovery and revival strategies
- Negotiate with banks
- Explore refinancing options
- Manage legal and compliance requirements
- Prevent further financial deterioration
Effective advisory ensures borrowers have a clear roadmap to bring the account back to a performing status.
Why Do Businesses Need NPA Advisory?
NPAs create multiple challenges such as:
- Cash flow pressure
- High interest and penalty charges
- Fear of recovery actions
- Limited access to fresh funding
- Impact on credit rating
- Loss of business confidence
With the right advisory, businesses can reduce financial stress and create a sustainable revival pathway.
Common Reasons Why Accounts Slip Into NPA
- Irregular cash flow or seasonal revenues
- High interest burden
- Incorrect loan structuring
- Economic slowdowns
- Market disruptions
- Delayed receivables
- Legal disputes
- Poor financial management
Regardless of the reason, timely advisory helps minimize losses and restore financial discipline.
How Funding & Resolution Supports NPA Cases
Our expertise comes from senior-level experience in:
- Bank recovery (BOI – General Manager Recovery)
- ARC operations (Chief Executive, CFM ARC)
- Stressed asset resolution
- Investor-driven restructuring
Here’s how we help businesses:
Comprehensive Assessment of NPA Status
We review:
- Loan documents
- Cash flow statements
- Repayment history
- Lender actions
- Financial viability
This helps us understand the exact situation and build the right action plan.
Negotiation With Banks & Lenders
We act as a strategic advisor to negotiate for:
- Reduced interest
- Waivers on penal charges
- Restructuring or revised repayment schedule
- One-Time Settlement (OTS) support
- Relief period or moratorium
Our experience with banks helps achieve faster and smoother outcomes.
Refinancing & Fresh Funding
Through our network of:
- Private investors
- AIFs
- PE funds
- NBFCs
- Special situation funds
We help businesses raise funds for:
- NPA settlement
- OTS payments
- Working capital
- Business revival
Stressed Asset Advisory
We create customised strategies such as:
- Debt consolidation
- Interest rate optimisation
- Cash flow alignment
- Operational restructuring
- Business turnaround planning
Assistance With Legal & Compliance Issues
We guide clients through:
- SARFAESI notices
- DRT-related matters (advisory only)
- Legal documentation
- Lender communication
- Compliance with restructuring frameworks
Who Can Benefit From NPA Advisory?
Our services are best suited for:
- Corporates with NPA or SMA accounts
- MSMEs struggling with repayments
- Businesses facing SARFAESI actions
- Individuals with secured loan NPAs
- Borrowers looking for OTS or refinancing
- Companies that need urgent working capital
- Firms looking for structured revival planning
Benefits of Professional NPA Advisory
- Faster resolution
- Clear revival strategy
- Reduced financial pressure
- Better negotiation outcomes
- Improved lender relationships
- Access to fresh funding
- Prevention of further deterioration
Why Choose Funding & Resolution?
- Senior-level banking and ARC experience
- Strong network of investors and lenders
- Defined timelines for resolution
- Transparent process
- Practical, customised advisory
- Expertise in both corporate and individual NPA cases