In today’s volatile environment, businesses may experience financial strain due to market shifts, operational challenges, or unforeseen disruptions. Early recognition and intervention are critical to restoring stability.
The Reserve Bank of India (RBI) identifies early warning signals through the Special Mention Account (SMA) classification:
SMA-0: Payment overdue for 1–30 days.
SMA-1: Payment overdue for 31–60 days.
SMA-2: Payment overdue for 61–90 days.
If left unaddressed, these early warning signs can escalate into Non-Performing Assets (NPAs), leading to severe financial consequences.
Lower credit scores lead to automatic rejection of loan applications.
Risk categorization increases, shrinking your financing options drastically.
Banks and NBFCs stop considering fresh limits, restructuring, or enhancements.
Legal notices for asset seizure, symbolic possession, and auction under DRT or NCLT processes.
Vendors, suppliers, and employees may lose confidence, affecting operations.
Quick funding solutions to manage overdues and avoid asset classification as NPA
Funding support even post-receipt of SARFAESI notice to reclaim control.
Strategies to gradually rebuild your creditworthiness
Temporary funding to revive operations until stability is achieved.
Proven track record in managing high-risk funding scenarios.
Private debt funds, distressed asset investors, and NBFCs
Rapid execution when time and confidentiality are critical.
Not just funding — but a revival strategy
Facing an SMA‑0, SMA‑1, or SMA-2 challenge? We offer tailored funding solutions: bridge loans, debt restructuring, OTS for accounts at any stage of financial stress. Let’s connect and stabilize your cash flows before the situation escalates.
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If you are looking for funding solutions or are interested in acquiring distressed properties at attractive valuations, reach out to us!
