• +91 8592877555
Stressed loans? Find relief with Stressed Assets Funding

Immediate financial support for companies facing crises, helping them stabilize and rebuild.

Financial aid given to companies or organizations facing significant financial difficulties, immediate liquidity constraints, or unanticipated economic crises is referred to as distressed funding. Critical events like corporate downturns, economic crises, natural disasters, or financial troubles are usually when this kind of financing is used. Providing instant money is the main goal in order to help debtors recover and stabilize their financial situation.

Distressed finance is a specialist financial solution intended for companies that are experiencing operational setbacks, liquidity issues, or financial duress. It provides crucial funding to help company reorganization, maintain operations, or aid in financial recovery. These funding options are designed for businesses that are now struggling financially but have significant future cash flow potential.

Features

Loan Type: Term Loan

Loan Amount: ₹2 Crores and above

Tenure: Up to 10 years

Interest Rate: 14% onwards (based on risk assessment)

Property Coverage: Minimum 200% of loan amount as collateral

Processing Fee: As per financial institutions

Repayment: Structured as per business cash flow

Turnaround & Restructuring Assistance

Benefits

Immediate Liquidity Support

Provides quick access to large funds (₹2 Cr and above) to tackle urgent cash flow crises, pay off critical dues, or stabilize day-to-day operations.

Business Continuity & Stability

Keeps essential operations running smoothly, preventing business closure or disruption during financial stress.

Customized Repayment Structures

Repayment schedules are tailored to match your projected cash flows, easing financial pressure while ensuring sustainable repayment.

Supports Business Turnaround Plans

Helps in executing turnaround strategies, restructuring operations, and regaining profitability with strategic financial backing.

Unlocks Future Growth Potential

Enables businesses with long-term viability and strong future cash flow prospects to survive present challenges and prepare for growth.

High Loan Ticket Size

With funding starting at ₹2 Crores, this facility provides enough capital to cover substantial obligations, investments, or debt consolidation.

Extended Tenure for Recovery

Loan tenure of up to 10 years gives businesses enough time to stabilize operations and repay comfortably.

Flexible Funding Solutions

Structured financing solutions are designed based on a company’s unique risk profile, financial health, and collateral strength.

Opportunity to Retain Ownership

Offers financial relief without having to dilute equity or bring in outside investors, allowing promoters to retain control of their business.

Dedicated Expert Support

Each case is handled with personalized financial assessment and advisory to create a sustainable revival plan.

Fees & Charges

Our service fees are determined by the merits of each case as well as the complexity and work needed to deliver workable solutions.

Eligibility Criteria

Businesses with strong cash flow potential despite current financial stress

Companies facing liquidity issues but demonstrating operational viability

Sufficient collateral (minimum 200% property coverage)

Financial assessment based on pure cash flow projections

Documents Required

Company Documents
  • Certificate of Incorporation
  • Memorandum & Articles of Association (MOA & AOA)
  • GST Registration Certificate
  • PAN Card of the Company
  • Udyam Registration (for MSMEs, if applicable)
  • Board Resolution authorizing loan application
Legal Documents
  • Title Deed
  • All Prior Deeds
  • Latest possession certificate with non-attachment certificate
  • Latest location sketch and certificate with four boundaries (neighbours’ names should be mentioned), road access should be mentioned
  • Encumbrance certificate - 33 years
  • Land tax – Latest
  • Approved plan and permit
  • Building Tax-Latest(if have)
Financial Documents
  • Audited financial statements for the last 3 years (Balance Sheet, Profit & Loss, Cash Flow Statements)
  • Provisional financial statements for the current financial year
  • Detailed cash flow of last 10 years and projections for next 10 years
  • Bank statements for the last 24 months
  • List of existing loans, repayment schedules, and outstanding liabilities
  • ID & Address proof of directors/partners (PAN, Aadhaar, Passport, etc.)
  • Credit report of the company and promoters (CIBIL/CRIF/Experian)
  • Shareholding pattern of the company
  • Existing legal disputes, if any (Declaration of pending cases)

Frequently Asked Questions

Distress funding is a specialized financial solution designed for businesses facing liquidity constraints, operational stress, or financial downturns. It provides immediate capital support to stabilize operations and enable recovery.

Eligible businesses include:
  • Companies with strong future cash flow potential
  • Businesses facing temporary liquidity or financial stress
  • Operationally viable firms with sufficient collateral
  • Companies capable of supporting structured repayment

  • Loan Type: Term Loan
  • Minimum Loan Amount: ₹2 crore and above
  • Tenure: Up to 10 years
  • Interest Rate: Starting from 14% (risk-based)
  • Collateral: Minimum 200% property coverage
  • Repayment: Structured based on cash flow

Repayment is customized based on business cash flow projections to ensure sustainability and operational continuity.

Fees depend on the complexity, risk profile, and effort required to structure and execute a viable funding solution. Charges vary on a case-to-case basis.

Required documents include:

Certificate of Incorporation

  • MOA & AOA
  • GST & PAN
  • Udyam Registration (if applicable)
  • Board Resolution
  • Shareholding pattern

  • Audited financials for the last 3 years
  • Provisional financials for the current year
  • Cash flow history (10 years) and projections (10 years)
  • Bank statements for last 24 months
  • Existing loan and liability details
  • Credit reports of company and promoters

  • Title deed and prior deeds
  • Possession certificate and non-attachment certificate
  • Location sketch with boundaries and access road
  • 33-year encumbrance certificate
  • Latest land tax and building tax receipts
  • Approved building plan and permit

It provides immediate liquidity, supports restructuring, stabilizes operations, and enables businesses to overcome temporary financial stress while preparing for long-term recovery.

Feel free to get in touch with us

Trusted by many, loved by all – see why people choose Loanitol!

calculator
EMI Calculator icon EMI Calculator