India's Trusted MSME Loan Restructuring Consultants

30-minute call. We review your financials, notices, and lender profile — and tell you honestly whether restructuring is viable.

3-year P&L, cashflow, DSCR, TOL/TNW and working-capital cycle audit to determine the correct restructuring format.

RBI-compliant restructuring proposal with revised repayment schedule, TEV note where required, and hardship narrative.

Direct representation before branch, zonal office, credit committee and — for consortium — ICA coordination.

Revised sanction letter, documentation, account tagging correction, and post-restructuring compliance monitoring.

Is projected cashflow sufficient to service the restructured EMI within 6–24 months? If yes, restructuring is on the table.

We rebuild 3-year DSCR at revised tenor/rate. Banks approve when average DSCR ≥ 1.25 and minimum ≥ 1.10.

Existing gearing, promoter contribution capacity, and any fresh equity/quasi-equity infusion planned.

Primary + collateral security valuation vs restructured exposure — banks need comfort on the security ratio.

Sector outlook, order-book visibility and receivable quality — inputs to the TEV study where required.

Repayment history, CIBIL commercial, wilful-default screening — non-negotiables for approval.

Bank-grade paginated file submitted 5–7 days before the committee meeting so the officer has time to internalise the case.

Open with tenor extension + moratorium + interest step-down — never with waiver. Sets a restructuring frame, not a settlement frame.

Every ask is backed by revised DSCR sheet. Officers approve what they can defend to the credit committee.

Offer additional collateral, personal guarantee reaffirmation or promoter infusion where feasible — dramatically shifts approval odds.

Branch → Zonal → GM → CGM. Consultants know exactly when to escalate and when to hold.

No payment, no fresh security, no document signed until the revised sanction letter is issued in writing.

Cases moved in SMA-1/SMA-2 window have 3× higher approval rate than post-NPA cases.

80% of restructuring rejections are documentation-driven, not merit-driven. A complete file is the single biggest lever.

Over-optimistic projections destroy credibility. Consultants build conservative, defendable numbers.

Fresh infusion, additional collateral, or personal guarantee dramatically improves approval odds.

One consultant coordinating all lenders in a consortium avoids contradictory proposals.

Timely repayment for the first 12 months locks the 'Standard' tag and rebuilds credit.

24-mo moratorium on principal, tenor extended to 84 months, rate reduced 75 bps — DSCR restored to 1.32.

ICA-based restructuring, ₹2.1 Cr FITL carve-out, promoter infusion ₹75 L — account retained 'Standard'.

Step-up EMI structure, 6-mo moratorium, balloon of ₹40 L in month 60 — matched cashflow seasonality.

Cross-lender restructuring aligned; PSU 90-mo tenor, NBFC OTS at 62% — hybrid resolution.

SMA-2 case rescued pre-NPA; interest capitalised, tenor extended, working capital enhanced 20%.

13(2) received; formal restructuring proposal filed; notice withdrawn on committee sanction.

Small upfront retainer for diagnosis, documentation and proposal filing. Suits SMA-stage cases.

Modest retainer + 0.25–1% of the restructured facility on sanction. Most common model.

Fixed all-inclusive fee for straightforward single-lender SME cases with clear scope.