Revive, Restructure & Rebuild Your Business
An NPA classification is not the end of the business. We work with companies facing loan defaults and NPA situations to restructure debt, negotiate with lenders and bring in fresh funding where it is needed. Our advisors handle the case end to end.
Understanding Non-Performing Assets (NPA)
A Non-Performing Asset (NPA) is a loan account where principal or interest repayments have remained overdue for more than 90 days. Once an account is classified as an NPA, the lender can initiate recovery actions under applicable banking regulations. That said, NPA classification does not have to end the business. With timely restructuring, legal guidance and fresh funding, most businesses can recover and stabilise.
What Happens After an Account Becomes NPA?
Once an account is classified as NPA, the lender can initiate one or more recovery measures:
Demand and recovery notices.
Legal proceedings under applicable laws.
Asset recovery or enforcement actions.
Debt restructuring based on business viability.
Settlement discussions or revised repayment terms.
Acting early makes a real difference to what the business and its assets can be protected from.
Our 4-Step Business Recovery Framework
Recognition
Assess the financial position, operational issues and lender exposure and set a clear recovery roadmap.
Resolution
Negotiate with lenders, financial institutions and other stakeholders on a workable debt resolution.
Restructuring
Redesign the financial structure through debt restructuring, cash flow planning and repayment terms that hold.
Recapitalization
Bring in fresh funding or investment to restore working capital and give the business room to grow.
Why Choose ProFinical?
Financial Advisors You Can Rely On
Recovery strategies built for each business.
Strong relationships with banks and financial institutions.
End-to-end transaction management.
Transparent advisory process.
Faster execution with senior involvement.
Confidential and professional support.
The point is not just to resolve the debt, but to get the business back on a growth footing.
Documents Required
Select your business constitution to see the exact document checklist.
Business constitution
Personal Documents
- PAN Card
- Aadhaar Card / Passport / Voter ID / Driving License (any one as identity proof)
- Proof of address (utility bill, Aadhaar, passport, rent agreement, etc.)
Business Proof
- Last 3 years' Income Tax Returns with computation of business
- Last 3 years' audited Profit & Loss A/c and Balance Sheet of business
- Business registration proof — PAN, GST Certificate, Trade License, Udyam Certificate
- Bank statements of business (last 12 months)
- Income tax & GST ID and password
Loan & Legal Documents
- Existing loan sanction letters and the last 12 months' account statements
- Lender's NPA classification / loan recall notice
- SARFAESI notices received — Section 13(2), 13(3) and 13(4)
- One-Time Settlement (OTS) offer or correspondence, if any
Carry self-attested copies; originals are needed only for verification. Sanction remains subject to legal and technical clearance of the property.
Business Recovery Solutions
Debt Restructuring
Rework repayment schedules, interest terms or loan tenure so the cash flow can support them.
Refinancing Solutions
Replace high-cost or stressed debt with financing that fits the business today.
One-Time Settlement (OTS)
Negotiate a settlement with the lender to close the account and put the file behind you.
Asset Monetization
Free up liquidity from non-core assets while keeping the operating business intact.
Fresh Working Capital
Raise fresh funding so the business can keep running through the recovery.
Our Debt Resolution Services
Our advisory team handles the debt resolution process end to end.
We work with banks, NBFCs, ARCs, private investors and financial institutions to put together the right solution for the case.
Ready to discuss your NPA Resolution & Funding?
Speak with our advisors to plan the right mix of structured debt and fresh funding.