Funding for businesses the banks
have already said no to.
If your account has slipped to SMA. If your loan is classified NPA. If you're staring at a One-Time Settlement offer and can't fund it. If you're overleveraged and every traditional lender has closed the door — this page is for you.
Vibhuti Finserv runs a specialist desk for promoters in credit distress. We don't run credit files through the mainstream banking system — we work with a separate network of NBFCs, private lenders, and stressed-asset funds who specifically fund cases the banks won't.
The day the bank stops returning your calls.
Most distressed-account advice online comes from people who have never sat across from a recovery officer. Here's what we've seen repeatedly:
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A business runs into a cash crunch — one bad quarter, one delayed payment from a major client, one family emergency that pulled funds out at the wrong moment.
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EMIs start slipping. The account moves from SMA-0 to SMA-1 to SMA-2. The RM stops being friendly.
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By the time the account is tagged NPA, the bank is no longer a partner — they're a recovery channel. Fresh credit from the mainstream system becomes impossible.
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SARFAESI notices arrive. Recovery teams visit. The business, which was fundamentally sound three quarters ago, starts looking like it might fold under procedural pressure.
This is where Vibhuti Finserv's specialist desk starts work. We don't judge the distress — we structure a way out of it.
What we fund.
NPA Account Funding
Capital to regularise or refinance a classified NPA account — structured through lenders who specifically fund stressed paper. The goal is usually to replace the existing facility with a new one that gives the business room to breathe.
SMA (Special Mention Account) Funding
If the account is flagged SMA-0/1/2 and slipping, the window to prevent NPA classification is small. We structure bridge capital to regularise the existing account before classification — often the difference between recovery and insolvency.
OTS (One-Time Settlement) Funding
The bank has offered an OTS at X% of the outstanding. You need the capital to accept it. We fund OTS settlements — effectively replacing the distressed bank debt with structured private capital at workable terms.
Debt Restructuring
For businesses with multiple overlapping obligations — term loans, working capital, unsecured debt — we structure consolidated debt packages that replace the mess with a single serviceable facility.
Funding for Overleveraged Cases
When DSCR is below 1, when debt-to-equity has blown past comfort, when no mainstream lender will underwrite the case — we work with lenders who evaluate on asset value and business viability rather than standard credit metrics.
The terms.
Secured structured funding
These terms apply to secured structured funding — the product we use for the large majority of cases. For unusual cases with no security position (time-critical bridges, specific acquisition scenarios), alternative structures may be available — we evaluate these case-by-case on the initial assessment call.
Why specialist desks exist.
Standard banking channels don't fund distressed accounts. It's not a matter of negotiation — it's written into credit policy. Once an account is SMA-2 or NPA, mainstream banks are structurally prohibited from extending fresh credit.
The lenders who do fund these cases operate on different parameters:
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They evaluate on security value and business cash flow — not on CIBIL or bureau tags
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They price for risk — which is why rates are higher than vanilla bank lending
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They move fast — because distressed cases usually have a clock on them (OTS window, auction date, classification deadline)
Working with this network requires relationships, case structuring expertise, and an honest read on which cases are actually salvageable.
What we bring:
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Direct relationships with NBFCs and private lenders specifically active in the stressed-account space
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Case preparation for the way these lenders evaluate files — different from mainstream bank credit analysis
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Honest assessment at the start: if a case isn't fundable, we'll say so, rather than run you through a 3-month file journey that ends in rejection
How the process actually works.
Confidential case assessment
Day 1Send us the account details — outstanding, classification status, security on file, any communication from the bank. We'll tell you in one conversation whether this is fundable, at what rate range, and what timeline.
Case preparation
Day 2–5If the case is viable, we structure the proposal — loan structure, security offer, repayment plan, exit strategy. This is the file the lender will actually see.
Lender matching
Day 5–10We place the file with the NBFC or private lender whose current portfolio and risk appetite fit your case. This is relationship work — not a database lookup.
Sanction and documentation
Day 10–20Legal vetting, security documentation, sanction letter, agreement execution. Running in parallel with the lender's internal approval.
Disbursement
by Day 30Maximum 30 days for secured cases from complete documentation. Often faster where the security position is clean and documentation is ready at the start.
We also handle.
NCLT & OTS Acquisition Capital
For investors and acquirers purchasing stressed assets through NCLT resolution plans or OTS deals. Structured acquisition capital matched to the asset and resolution timeline.
Builder Funding
Specialist funding for real estate developers — including project completion capital, last-mile funding, and inventory-backed lending for stuck projects.
For either of these, use the assessment form below and specify the enquiry type.
Confidential case assessment.
No obligation, no fees for the assessment. We'll give you an honest read on whether your case is fundable — usually within 24 hours.
Thanks for filling this out — to make sure your case gets priority attention, please call or WhatsApp Suryaa directly with the details below.
Questions we get asked.
The clock is usually running on these cases.
If you're in a distressed-account situation, timing matters more than almost anything else. SMA-2 to NPA classification happens on a calendar schedule. OTS windows close. SARFAESI auctions get scheduled. The earlier we see the file, the more options exist.
Vibhuti Finserv is a loan consultancy and case structuring firm. We are not a lender. All facilities mentioned are arranged through partner NBFCs and private lenders, subject to their independent credit assessment, documentation, and approval processes. Interest rates, tenor, and terms are indicative and vary case-to-case. Vibhuti Finserv does not provide legal advice on SARFAESI, NCLT, or IBC proceedings — for legal matters, we recommend consulting a qualified banking law practitioner.