Private Finance for NPA Accounts

We offer reliable private finance for NPA accounts, helping individuals and businesses to get funds when traditional banks do not extend loans due to compliance issues. This funding can be available for stressed borrowers without credit checks & at low CIBIL scores. Companies with low CMR are also eligible for this funding.

Whether you need capital to settle outstanding dues, revive your business, manage cash flow, or prevent legal action, our private financing solutions are designed to provide quick and flexible support.

What is Private Finance for NPA Accounts?

Private finance or a loan, is a financial facility offered by private lenders, investors, NBFC, and other financial institutions to borrowers whose loan accounts have been classified as NPA (Non-Performing Assets). Unlike traditional banks, these private financiers focus on collateral valuation, business viability, & alternate sources of repayment.

Private Finance for NPA Accounts is beneficial for:

Businesses having NPA loans or SMA 1 & SMA 2 classified loans
Borrowers requiring funds for OTS (One-Time Settlement)
Companies looking for loan restructuring
For raising a working capital loan
Property-backed private finance
Emergency funding requirements
Builders with stalled projects
Companies looking for bridge financing

Some of the Key Features of Private Loans for NPA

Loan starting from Rs.1 crore to any higher amount required
Available in PAN India
Loans for every stressed situation
Flexible repayment options
Facility of loan pre-closure
Direct payment to the previous bank
Loan without CIBIL check

Private Finance for NPA Accounts vs Conventional Bank Loans

Conventional banks finance borrowers with a good credit score or payment history. They do not entertain borrowers with irregular payment records and low scores. This creates major differences in funding decisions and their loan offerings: Private finance offers funding for NPA account closure & OTS (One-Time Settlements), while banks are driven by borrowers’ credit scores & payment history.

Factor	Private Finance	Conventional Bank Loan
Eligibility	NPA or Stressed borrowers with potential for repayment are eligible	Strict policy of business continuation
Credit History	Case evaluated based on current income source & collateral; not on credit history	Credit history generally has significant importance
NPA Accounts	NPA & Stressed accounts can apply	NPA’s are not eligible
Collateral	Only Property-backed cases are considered	Collateral requirements depend on loan amount & credit Score
Processing	Can be more flexible & discussion-based & collateral	Follows standard processing format of verification, PD & document screening
Documentation	May be structured around the specific transaction	Usually standardized
Loan Structure	Customizable as per the loan required and challenges	Generally, follows predefined loan products
OTS Funding	OTS (One-Time Settlement) Funding & NPA Finance solutions are available	A big no for OTS & NPA clients
Interest Cost	Generally higher than conventional bank finance	Greatly depends upon the borrower’s credit score and repayment history
Flexibility	Flexible for structuring complex deals & timelines	Follow standard policy
Risk Assessment	Case-by-case assessment may be possible	Primarily policy and credit-score driven
Best Suited For	NPA cases, OTS transactions and urgent secured funding	Borrowers with stable income & good credit Scores

Private Finance for OTS

Private finance is also available for OTS (One-Time Settlement). Means they offer funding to pay OTS. Even a settled loan account is not entitled to avail loans from the bank. And, generally, OTS is the best way to close an NPA loan at a lower value. Conventional banks still do not offer loans to service the OTS.

So, private loans play a significant role in closing OTS. They offer loans ignoring the past payment history of the borrower, focusing only on the current business viability, collateral, and financial sources for repayment.

Full or Partial part of the OTS can be financed through Private Finance
Direct payment to OTS account
PAN India Coverage
Funding for working capital also
Moratorium & pre-closure available

Private Loan Against Property for NPA Borrowers

Private loan/funding are available against the properties of NPA & stressed borrowers. Stressed borrowers require funds for multiple purposes, such as closing an NPA account, regularising the stressed loan by clearing overdues or raising working capital for business expansion.

But the conventional system is closed to such borrowers, as they rank the borrower on the basis of credit scores and previous loan repayment. But private finance considers factors other than credit score, like the value of collateral and the borrower’s financial strength to repay the loan. So, private finance for offers loans against property even for NPA & stressed clients.

Why Choose Our Private Finance for NPA Accounts Solutions?

Fast Processing: We understand that time is critical for NPA clients. That’s why we offer faster approvals than traditional banks or lenders. Whether you need a loan to settle your total NPA account liability or secure funds to service your OTS, our private finance for NPA accounts is always available on time to cater for your requirements.

Flexible Eligibility: Unlike traditional lenders, we also rely on alternative repayment sources like the sale of an asset or a newly started business for repayment. This helps our clients to easily get the funds to close stressed loans.

High-Value Funding: We offer higher loan amounts to eligible borrowers against residential, commercial, industrial, or other eligible properties. We accept multiple repayment options, which enable us to provide higher loans compared to others.

Confidential Process: We promise confidentiality. Your financial information is handled with complete confidentiality and professionalism throughout the financing process.
Tailored Financial Solutions: We understand that each stressed transaction is unique in its own way. So, we provide customised, tailor-made financial solutions for each transaction according to its complexity.

Get Expert Assistance Today

Contact us today for a consultation and discover how private finance for NPA Accounts can help you regain financial stability and move forward with confidence.