Bank Negotiation & Debt Restructuring
We help businesses to restructure debt or settle loans without tribunal hassles with practical solutions.
What We Offer in Bank Negotiation & Debt Restructuring
It’s time to restructure your debt, useful for small, mid and enterprise-level businesses to improve their financial situation.
One-Time Settlements (OTS)
When companies face mounting dues, a structured one-time settlement can offer a clean exit, for both promoters and lenders. At ATG Advisory & Investments
, we specialize in negotiating OTS deals that are financially practical and mutually agreeable.
We prepare credible proposals backed by realistic valuations and repayment capacity. By aligning with banking norms and RBI guidelines, we work to secure debt closure at reduced interest and penalties, giving stressed businesses a second chance.
- Key Activities:
- Preparing OTS proposals with financial justifications
- Negotiating with banks and financial institutions
- Structuring phased or lump-sum settlements
- Navigating regulatory and internal bank approval processes
- Helping promoters secure funding for final repayment
Bilateral Debt Restructuring
In cases involving a single lender or lead bank, bilateral restructuring is a preferred non-IBC route. It enables the borrower to restructure their loan conditions, such as duration, interest rate, and repayment plan, without going through bankruptcy processes.
We work closely with borrowers and lenders to establish company viability and provide restructuring strategies that benefit both parties. Our goal is to reduce pressure on cash flows while giving the business breathing space to recover.
We work closely with borrowers and lenders to establish company viability and provide restructuring strategies that benefit both parties. Our goal is to reduce pressure on cash flows while giving the business breathing space to recover.
- Restructuring Possibilities:
- Extending loan tenure or adjusting repayment terms
- Interest rate reduction or moratoriums
- Converting overdue debt into long-term instruments
- Temporary suspension of certain covenant requirements
Debt Refinancing & Investor-Led Restructuring
Sometimes, restructuring isn’t just about renegotiating, it’s about recapitalizing. We help companies replace or supplement existing debt through refinancing, or bring in new investors to support restructuring efforts.
Leveraging our parent company’s investor network, we identify financing partners and strategic players interested in turnaround opportunities. We coordinate end-to-end from structuring to closing while keeping lender expectations in view.
Leveraging our parent company’s investor network, we identify financing partners and strategic players interested in turnaround opportunities. We coordinate end-to-end from structuring to closing while keeping lender expectations in view.
- Why Choose Refinancing with ATG:
- Access to private investors and turnaround funds
- Structuring debt instruments aligned with new cash flows
- Improved balance sheet health and liquidity
- Minimized disruption to operations or reputation
How We Approach Restructuring & Negotiations
Debt resolution doesn’t have to be adversarial. Our approach is collaborative, time-sensitive, and built on trust with financial institutions.
Problem Diagnosis
We assess your financial position, current debt terms, and cash flow limitations to design practical restructuring goals.
Bank Engagement
We represent you in meetings with lenders, presenting data-backed proposals and facilitating transparent discussions.
Tailored Restructuring Strategy
Every proposal is customized — we align our solutions with your repayment capacity and the bank’s risk tolerance.
Unlocking Capital Access
Where needed, we connect you with new financiers or structure bridge funding to complete settlements or support restructuring.
Need Help Restructuring Debt or Settling Loans?
Avoid legal delays. Maximize value. Let our experts lead your bank negotiations and secure the cleanest path to financial recovery.
Frequently Asked Questions
Look over your doubts, and if you still have anything you want to ask, feel free to reach out to our experts.
Can ATG Advisory help negotiate directly with my bank?
Yes, we serve as your representative during negotiations. We create a realistic plan, work directly with your lender, and present your case using financial models and recovery estimates to promote a mutually acceptable settlement.
What if I just have one lender, Do I still require consulting services?
Absolutely. Even in bilateral instances with a single bank, expert bargaining can assist renegotiate repayment terms, lower interest rates, or obtain moratoriums. ATG helps design a plan that protects your business while meeting lender expectations.
How is debt restructuring different from refinancing?
Debt restructuring involves changing the terms of your existing loan (like tenure or interest). Refinancing means replacing current debt with new funding from different lenders or investors. ATG helps you evaluate and execute the most effective strategy—or both if needed.
Will restructuring or OTS affect my company’s credit standing?
While these activities can have an impact on your credit history, addressing hardship proactively is perceived more positively than defaulting. ATG promotes transparency, correct paperwork, and contact with lenders to help you maintain your credibility.
How long does it usually take to conclude a restructuring deal?
Depending on the bank and the intricacy, the procedure might last 30 to 90 days. With ATG controlling the communication and paperwork, we endeavor to reduce delays and assure faster, smoother closings.