Debt Restructuring -

Debt Restructuring

Purpose of Debt Restructuring

Common triggers include:

Continuous DSCR below threshold
Repeated devolvement of working capital limits
Term loan repayment stress
Cost overruns or project delays
Revenue volatility or loss of key customers
Adverse regulatory or policy shifts
Excessive leverage relative to cash generation

Early intervention significantly improves the success probability of restructuring.

When Debt Restructuring Becomes Necessary

Common triggers include:

Continuous DSCR below threshold
Repeated devolvement of working capital limits
Term loan repayment stress
Cost overruns or project delays
Revenue volatility or loss of key customers
Adverse regulatory or policy shifts
Excessive leverage relative to cash generation

Early intervention significantly improves the success probability of restructuring.

Necessary

Our Debt Restructuring Services

1. Financial Stress Diagnosis We begin with a forensic-level assessment of stress drivers. Includes: Liquidity and cash flow gap analysis Debt servicing coverage diagnostics Working capital cycle distortion analysis Covenant breach assessment Security coverage evaluation Short-term survival horizon modelling 2. Viability & Revival Assessment Not every stressed business needs insolvency. We assess: Core business profitability Market relevance Post-restructuring cash flow potential Management capability and commitment Asset recoverability Structural vs cyclical stress This determines the revival vs resolution pathway.

3. Restructuring Strategy Design We design lender-compliant restructuring structures such as: Tenure extension Moratorium on principal and/or interest Interest rate reset Working capital realignment Conversion of interest into funded interest term loan (FITL) Partial debt-to-equity conversion One-Time Settlement (OTS) feasibility modelling Security enhancement or collateral restructuring Each structure is tested for post-restructuring DSCR sustainability. 4. Bank & Lender Negotiation Support We act as the structured interface between promoters and lenders. Includes: Revival package presentation Consortium or multiple lender coordination Clarification handling with credit and monitoring teams Restructuring committee presentations Sanction term negotiation support Inter-creditor alignment strategy 5. Post-Restructuring Monitoring & Stabilization Once restructuring is approved: Cash flow tracking against plan Covenant compliance monitoring Early warning signal (EWS) alerts Operational cost rationalization guidance Revenue stabilization tracking Banking conduct discipline

Market Analysis

Risk Management

Technology Advising

Financial Consultation

Planning & Conductiong

Bonds & Commodities

Business Strategy

How can we help you?

Key Areas of Analysis in Every Restructuring Engagement

- Business cash flow sustainability
- Debt servicing coverage post-restructuring
- Promoter contribution capacity
- Asset realizability and collateral strength
- Lender recovery expectations
- Sector cyclicality and demand outlook
- Regulatory and compliance exposures
  
  Who We Support
  - SMEs and mid-corporates
  - Infrastructure and EPC contractors
  - Manufacturing and engineering firms
  - Renewable energy producers
  - Real estate developers
  - Logistics and service enterprises
  - Consortium and multiple banking structures
    
    What Makes Consiga’s Debt Restructuring Advisory Different
    - Bank-aligned restructuring logic
      Our structures are built to pass credit and monitoring committee scrutiny.
    - Integration with insolvency and OTS strategies
      We align restructuring with alternate exit options if revival fails.
    - Cash-flow-first approach
      We focus on real servicing capacity, not accounting profits.
    - Execution-linked revival mindset
      We actively track post-restructuring stabilization rather than exiting at approval stage.

Engagement Workflow

Initial Stress Diagnosis & Data Collection
Liquidity & Viability Modelling
Restructuring Framework Design
Lender Consultation & Negotiation
Sanction & Documentation Support
Post-Restructuring Monitoring

Deliverables

Stress and liquidity diagnostic report
Revival and restructuring financial model
Proposed restructuring framework
Lender presentation and negotiation pack
Post-restructuring monitoring dashboard
EWS and compliance tracker

Deliverables
- Stress and liquidity diagnostic report
- Revival and restructuring financial model
- Proposed restructuring framework
- Lender presentation and negotiation pack
- Post-restructuring monitoring dashboard
- EWS and compliance tracker
When to Engage a Debt Restructuring Advisor
- Term loan EMIs are missed or likely to be missed
- Working capital limits are frequently devolved
- Banks issue early stress or SMA warnings
- Revenue shocks impact servicing capacity
- Projects experience execution delays or cost overruns
Early restructuring significantly improves survival probability and reduces legal exposure.

Getting Started

To initiate a Debt Restructuring Advisory engagement, we typically request:
- Latest audited and provisional financials
- Current debt profile and sanction letters
- Repayment schedules and overdue status
- Asset and security details
- Banking conduct statements
- Legal notices, if any
Based on this, we issue a confidential restructuring feasibility proposal with defined scope and timelines.

Contact Us for a free consultation

Book a free consultation and take the next step toward confident, well-structured financing.

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