Loan for NPA Accounts

A Loan for an NPA Account is specifically designed to manage and clear the total loan outstanding in the non-performing assets (NPA) account and to come out of legal situations created by the bank. By taking this loan, borrowers can restructure their debt, improve cash flow, work towards improving their financial situation, and save their precious properties.

Key Features of Loan for NPA Account

• Loan starts from Rs.1 Crore to any amount
• Available in PAN India
• Doorstep Services
• Can be raised on Residential/Commercial or Industrial properties
• No need for additional Collateral
• Direct payment to previous bank & exchange of securities/collaterals

What is an NPA Account? 

An NPA (Non-Performing Asset) account refers to a loan account where the borrower has failed to make payments for 90 days or more. This results in the asset being classified as “non-performing” by financial institutions, indicating that the loan is unlikely to be repaid as agreed. In such cases, a “Loan for NPA Account” can help borrowers restructure their debt and manage cash flows, giving them a path to recover from financial losses and providing them stability.

Services We Offer

1. NPA Account Takeover

An NPA account takeover involves the introduction of a new lender who purchases a non-performing asset (NPA) from the original lender and restructures it to give financial stability to the borrower. This provides the borrower an opportunity to improve their financial position and restructure their debt under more manageable terms.

Key Features of NPA Account Takeover

1. Immediate Financial Relief for Lenders:
   • Removing NPAs from the lender’s balance sheet improves their financial position.
2. Debt Restructuring for Borrowers:
   • Offering more flexible repayment terms makes it easier for the borrower to manage their debt.
3. Increased Recovery Processes:
   • Specialized efforts maximize the recovery from distressed assets.
4. Focused Management:
   • It helps lenders to focus on their core business activities, while it becomes the responsibility of takeover institutions to manage the distressed assets.
5. Improved Cash Flow:
   • Immediate liquidity is provided to the lender, improving their overall cash flow situation.

2. NPA Funding

NPA funding is the financial assistance provided to the borrower to improve and restructure distressed assets classified as Non-Performing Assets (NPA). This funding can come in the form of debt restructuring, additional financing, or equity investment. The aim is to help the borrower overcome financial difficulties and assist them in returning to profitability.

Key Features of NPA Funding

1. Debt Restructuring: It helps in modifying existing loan terms to provide easier repayment conditions for the borrower.
2. Additional Financing: It provides extra funds to help the borrower to stabilize his operations and to recover from financial distress.
3. Equity Participation: It helps by investing in the borrower’s business to provide the necessary capital for growth and recovery from losses.
4. Business Reorganization: By offering strategic advice to help in reorganizing the borrower’s business for better efficiency and profitability.

At OTS Finance, we offer comprehensive solutions for managing NPAs, including loans for NPA accounts, NPA account takeovers, and NPA funding. Our expertise and customized services are designed to help both borrowers and lenders overcome financial challenges, ensuring long-term financial stability and growth.

Benefits of Choosing Our NPA Services

1. Expertise and Experience: Our team brings extensive experience in resolving NPAs and provides solutions tailored to your specific needs.
2. Customized Solutions: We offer tailored financial solutions to address the unique challenges of your non-performing assets.
3. Quick Turnaround: Our dedicated team ensures fast-track resolution and funding for NPA accounts.
4. Improved Financial Health: By decreasing distressed assets and restructuring debt, we help improve your overall financial health.
5. Recovery Processes: Our specialized recovery techniques maximize the potential for recovering distressed assets, improving your financial outcomes.

OTS Finance is the best NPA Funding company in India. So, don’t wait for banks to eat your hard-earned money, contact us today for a proper NPA solution.