Debt syndication is a process in which multiple financial institutions, such as banks, nonbanks (otherwise known as NBFCs) or alternative lenders work together to lend large sums of money to one borrower. It is usually adopted in such circumstances that it cannot be provided by one lender or where risk needs to be shared among more than a relatively few creditors.
In this scheme, each institution contributes a percentage of the loan amount and all communication with the borrower takes place through one channel, usually referred to as the "syndicate arranger" or lead bank. Debt syndication is generally used for financing projects or expansion, acquisitions, working capital and corporate debt restructuring, when it can be considered that the size and complexity of the loan require a multi-lender approach.
At NPA Help, we provide comprehensive support throughout the syndication lifecycle. We do everything - identify needs for funds, make structuring arrangements with lenders or potential buyout organizers, participate in lender negotiations on your behalf and finally ensure disbursal when funds have been sanctioned along with post-sanction compliance.
We customize the financial structure based on your project lifecycle, sector needs and repayment ability, ensuring that the capital structure is sustainable and forward-looking.
Our team has broad experience in deal structuring, legal coordination, IM preparation and term negotiation to simplify the syndication process, making sure that participants all benefit equally.
We have a wide network of connecting public and private banks, NBFCs (especially their large long-term repurchase divisions) and private owners to ensure that all your funding needs are met.
By obtaining funds from several banks at the same time, you avoid relying on a single provider. This approach also gives you more leeway and allows for future borrowing, extensions or modifications.
Our market insight and negotiation skills help you win favorable terms, better interest rates, relaxed covenants and the most favorable payment schedules.
From initial talks to final repayment, NPA Help provides end-to-end support, including monitoring, lender relationship management and adjustments in loan terms if required.
Beyond syndication, NPA Help also specializes in debt resolution, providing businesses in financial distress a structured way to regain control and restore solvency.
Debt resolution refers to a strategic process that helps a borrower resolve financial stress by restructuring, settling, or refinancing debt in collaboration with lenders. The main services include:
Our resolution plans are designed not just to manage liabilities but to revive the core business, protect the promoter's stake and minimize legal entanglements.
For businesses that are healthy, growing, or emerging from distress, access to the right debt funding is critical. NPA Help facilitates funding across a wide range of instruments and sectors.
Debt funding is the process of raising capital through various forms of loans or debt instruments, tailored to the borrower’s cash flows, credit history and business purpose. This could include:
Whether it’s through traditional banks, NBFCs, or alternate credit providers, NPA Help ensures the right match based on your cost of capital, repayment flexibility and security profile.
NPA Help will partner with you to navigate the ways of syndicated lending, debt funding and resolution, whether your business is scaling, stressed, or in transition with insight, integrity and impact.