Financial Restructuring
Overcome liquidity constraints, negotiate favorable One-Time Settlements (OTS) with lenders and optimize financing costs through debt restructuring and loan takeovers.
Revitalizing Financially Stressed Enterprises
Market downturns, sudden working capital gaps, or unexpected expansion delays can push viable businesses into temporary debt-servicing distress. When accounts slip into SMA-1, SMA-2, or NPA categories, conventional banking channels freeze. MARG Finserv works with promoters and lending consortiums to formulate viable turnaround frameworks, debt consolidation schemes and negotiated settlements that preserve enterprise value and safeguard personal promoter assets.
Our Restructuring Advisory Services
We deliver concrete resolution strategies under RBI guidelines:
- One-Time Settlement (OTS): Formulating realistic, defendable OTS proposals with public sector and private lenders to settle outstanding liabilities at negotiated discounts.
- Debt Takeover & Balance Transfer: Replacing high-cost loans (13% to 18%) with low-cost banking credit (9% to 10.5%), dramatically reducing monthly interest outlays.
- Tenor Extension & Moratorium Recalibration: Re-negotiating debt repayment profiles with lenders to match delayed project cash flows.
- Resolution under RBI Prudential Framework: Assisting stressed mid-corporates in restructuring debt prior to IBC / NCLT litigation.
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