Funding of OTS (One Time Settlement)
Our OTS Funding Scheme has been designed to assist customers in settlement of their NPA accounts with Banks/NBFCs/FIs. We specialize in providing financing solutions for the unique needs of distressed entities, offering flexibility in repayment terms, moratorium periods and structured financing arrangements. Repayment may be out of business earnings and/or proceeds from sale of various assets.
Our OTS Funding Scheme helps our clients in closing their OTS settlement with Banks/FIs, thus reducing their interest servicing obligations, help in revival of their business activities and maintaining the employment. Reduced interest servicing burden helps in revival of sick units and also helps the economy by avoiding non employment and loss of entrepreneurial capabilities.
Interim Finance Funding
We provide vital interim finance to support distressed companies undergoing Corporate Insolvency Resolution Process (CIRP). Our goal is to alleviate immediate liquidity challenges being faced by these corporates, enabling them to sustain operations throughout the resolution journey. By bridging the financial gap, we facilitate smoother transitions and contribute to the overall stability of the business landscape.
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Resolution Plan Funding
We also provide finance to Resolution Applicants for part funding of Resolution Plans for companies undergoing CIRP. This helps them to bridge resource gap they have while planning for submission of Resolution Plans. This is our unique product which is not generally available in the market
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Acquisition of stressed assets from Banks/ NBFCs/ FIs
When Banks/NBFCs/ FIs come out with their proposals for sale of their NPAs, we participate in the bidding process for acquisition of these accounts, after carrying out due diligence – legal and financial both. We also acquire NPAs from other Banks/NBFCs/FIs under bilateral deals. After acquisition of these non- performing loans, we commence recovery process by following various strategies.
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Investment in Security Receipts issued by Trusts formed by ARCs
ARCs acquire NPA Accounts from Banks/NBFCs/FIs either under bidding process or through bilateral deals. Most of these deals now a days are on 100% cash basis. Then they form Trusts for realization of underlying securities. They invite Qualified Buyers (QBs) for investment in Security Receipts being issued by these Trusts for the acquisition price paid for the underlying distressed assets. These SRs are transferable. Investments in these SRs yield good profits over a period of time due to recovery amounts from sale of underlying assets/under compromise settlements being higher than acquisition price. A sizable part of our investments are in these SRs, in order to earn good profits.
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Demand Loan/ Short Term Loan
Our Demand Loan/ Short-Term Loan products has been designed to address the pressing short-term financial needs of clients in a time bound manner. With a commitment to expedited processing, we ensure that borrowers are provided necessary funds promptly, enabling them to overcome their financial challenges whether it is for covering unexpected expenses, emerging opportunities, for bridging temporary gaps etc. These products also include personal loans.
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Loan Against Property (LAP)
Our Loan Against Property (LAP) product offers hassle-free loans with a focus on simplicity and convenience. With a flexible repayment structure tailored to suit individual needs, borrowers enjoy peace of mind knowing that they can manage their finances effectively. We provide maximum loan-to-value ratios, enabling the borrowers to unlock the full potential of their property assets. Additionally, our innovative Flexi Dropline feature offers added flexibility, allowing borrowers to access funds as needed, providing a safety net for unforeseen expenses or opportunities.
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Business Loans to MSMEs
Our Business Loans for Micro, Small and Medium Enterprises (MSMEs) have been customized to fit into the unique needs of each business. We understand that one size does not fit all, so we structure our loans, accordingly, ensuring they align perfectly with the requirements of the MSME sector. Our approach is not bound by rigid credit delivery norms. Instead, we are agile and adaptable, willing to deviate from traditional practices to serve the evolving needs of MSMEs in a better way. This flexibility allows us to provide tailored financial solutions that empower MSMEs to thrive and grow in today’s dynamic business world.
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Term Loans
Our Term Loan product has been designed for medium term funding needs, ensuring timely disbursal to support clients’ business objectives. With our commitment to efficiency, clients can count prompt delivery/ disbursement, allowing them to seize opportunities and addressing financial requirements for the same. Whether clients are expanding operations, investing in new ventures, or managing cash flow, our Term Loan product is here to support their goals with speed and reliability.
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Cash-flow Backed Loans
Our Cash-flow Backed Loans are designed to utilize future cash flows of clients as a reliable asset for securing financing. Tailored to match clients’ revenue streams, these loans provide required finance to the clients for their business growth. With a focus on sustainability and financial stability, our lending solutions are structured to support ongoing operations and growth plans while minimizing risk. By prioritizing cash flow as the primary collateral, we offer a flexible and dependable financing option that adapts seamlessly to business needs of the clients. Cash-flow Backed Loan products are generally styled as Lease Rental Discounting, Future Receivables Discounting, Invoice Discounting etc.
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Advisory Services
● AFPL provides Financial Advisory Services to its clients in settlement of NPA accounts with Banks and Financial Institutions.
● AFPL provides advisory services to Corporates/Promoters undergoing CIRP.
● Going forward, AFPL also proposes to take up assignments related to mergers, acquisitions, amalgamations and restructuring etc.