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Debt Syndication

check Debt Syndication Service in India: A Comprehensive Overview

What is Debt Syndication?

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.

How NPA Help Supports Debt Syndication

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.

1. Tailored Loan Structuring

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.

2. Expert Advisory Services

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.

3. Lender Network Access

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.

4. Risk Diversification

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.

5. Competitive Terms

Our market insight and negotiation skills help you win favorable terms, better interest rates, relaxed covenants and the most favorable payment schedules.

6. Lifecycle Support

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.

Expanding the Spectrum: Debt Resolution Services

Beyond syndication, NPA Help also specializes in debt resolution, providing businesses in financial distress a structured way to regain control and restore solvency.

What Is Debt Resolution?

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:

  • One-Time Settlement (OTS) negotiations
  • Loan restructuring under the RBI’s prudential framework
  • Pre-packaged or full IBC proceedings
  • Debt-to-equity swaps
  • Re-aging or reclassification of NPAs
  • Waiver of penal charges or reduction in interest burden

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.

How NPA Help Adds Value in Debt Resolution

  • Bank Negotiations: We act as your representative in front of lenders, ARCs, or resolution professionals.
  • Financial Assessment: We prepare viability reports, repayment forecasts and turnaround plans.
  • Legal Coordination: We work with insolvency professionals, legal counsel and forensic teams to ensure compliance and speed.
  • Revival Roadmap: Beyond resolving the current issue, we help in preparing for growth post-resolution by arranging bridge or restructuring-linked funding.

Bridging Gaps with Strategic Debt Funding

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.

What is Debt Funding?

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:

  • Term Loans (secured/unsecured)
  • Working Capital Limits (CC/OD, bill discounting)
  • Bridge Loans for short-term liquidity
  • Acquisition Finance
  • Lease & Equipment Finance
  • Project Finance & Real Estate Construction Loans
  • Last Mile & Special Situation Funding
  • Receivable Financing & Invoice Discounting

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.

How We Help You Access Capital

  • Credit Profiling: We prepare your funding case to present a strong credit narrative to lenders.
  • Lender Mapping: We map your requirement to a curated list of banks, NBFCs, AIFs and family offices.
  • Structuring: We recommend the right mix of loan type, tenure, interest model (fixed/floating) and security structure.
  • Negotiation & Closure: From term sheet to final sanction, we manage every step to avoid delays or rejections.

Why Businesses Trust NPA Help

  • Deep domain experience across finance, law and insolvency
  • Strong relationships with more than 100 financiers and investors
  • Sector-specific expertise in MSMEs, infrastructure development, real estate, health care, manufacturing and retail
  • Proven track record of efficiently handling large ticket transactions while resolving complex NPAs
  • Transparent, process-driven approach with laser focus on the long-term needs of the client

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.