Skip to content
Distressed Assets — Distressed Assets, Restructuring & IBC Advisory
Business Lifecycle · Stage 07

Distressed Assets, Restructuring & IBC Advisory

Stress is best addressed early. Samagra advises promoters, lenders and resolution applicants on debt restructuring, one-time settlements, IBC processes and distressed-asset acquisitions.

Overview

Financial stress rarely comes from one cause — it usually compounds across working capital, capex, contracts and litigation. The earlier structure and lender conversations begin, the wider the resolution options.

Our restructuring practice combines financial, IBC, legal and negotiation expertise across promoter-side, lender-side and resolution-applicant mandates.

Business challenges

What promoters typically face at this stage

  • Assessing viability and resolution options honestly
  • Managing lender consortium and inter-creditor dynamics
  • Meeting IBC timelines and CoC expectations
  • Preserving business continuity through the process
  • Structuring settlements and acquisitions tax-efficiently
How we help

Advisory scope at the Distressed Assets stage

Promoter & Lender

  • Debt restructuring and OTS advisory
  • Inter-creditor coordination
  • Refinancing and asset monetisation
  • Personal-guarantee and enforcement defence
  • Lender-side recovery and enforcement

IBC & Distressed M&A

  • Section 7 / 9 / 10 IBC filings and defence
  • CIRP and liquidation representation
  • Resolution-plan drafting and submission
  • Distressed-asset acquisition advisory
  • Avoidance transaction and PUFE support
Our approach

How we engage

  1. 01

    Viability Review

    Financial, legal and operational review of the stressed situation.

  2. 02

    Strategy

    Resolution options — restructuring, OTS, IBC, sale — with pros / cons.

  3. 03

    Execution

    Lender / CoC negotiation, filings, plan drafting and approvals.

  4. 04

    Post-Resolution

    Implementation, monitoring and post-resolution compliance.

Deliverables

What you receive

  • Viability and resolution-options memo
  • Debt restructuring / OTS proposal
  • IBC pleadings, resolution plan or defence
  • Lender / CoC negotiation strategy
  • Post-resolution implementation plan
Related services

Services frequently engaged at this stage

Illustrative scenarios

Illustrative distressed assets stage scenarios

Examples of situations in which businesses and stakeholders may require integrated financial, transaction, restructuring, governance or dispute advisory support.

The scenarios below are illustrative examples created to explain the types of situations in which Samagra Advisors may provide advisory support. They do not represent actual client engagements, testimonials, completed transactions or guaranteed outcomes. Any figures, ranges, timelines or stakeholder profiles are indicative context only.

Illustrative distressed assets-stage scenario — planning the next transition

Typical situation — A business at the distressed assets stage is planning its next transition — often into a fresh capital round, a new geography, a compliance regime it hasn't previously navigated, or a governance model demanded by a new class of stakeholder.

Key considerations — Common questions include assessing viability and resolution options honestly, managing lender consortium and inter-creditor dynamics and meeting ibc timelines and coc expectations, together with the sequencing of legal, tax, financial and operational steps required to make the transition credible to counterparties.

How Samagra may assist — Samagra may prepare a stage-transition roadmap, identify the critical-path items, and coordinate execution across finance, legal, tax and strategy so the promoter can focus on the operating business.

Stage
Distressed Assets
Indicative timeline
3 – 9 months for readiness
Stakeholders typically engaged
Board, investors, lenders, auditors
Critical-path items
6 – 12 tracked workstreams

Possible workstreams

  • Debt restructuring and OTS advisory
  • Inter-creditor coordination
  • Refinancing and asset monetisation
  • Personal-guarantee and enforcement defence
  • Lender-side recovery and enforcement

Illustrative distressed assets-stage scenario — responding to a stakeholder ask

Typical situation — An investor, lender, acquirer, regulator or promoter group has raised a specific ask for a business at the distressed assets stage — a diligence pack, a covenant reset, a governance change or a compliance uplift — and the management team needs to respond in a structured, defensible way.

Key considerations — Focus areas typically include section 7 / 9 / 10 ibc filings and defence, cirp and liquidation representation and resolution-plan drafting and submission, along with prioritising which asks are contractual, which are negotiable, and how each answer positions the business for the *next* stakeholder conversation.

How Samagra may assist — Samagra may help unpack the ask, prepare an evidence-backed response pack, coordinate the specialist workstreams needed, and negotiate the commercial and governance terms with the counterparty.

Stage
Distressed Assets
Typical response window
2 – 8 weeks
Response pack size
40 – 200 documents / schedules
Counterparty types
Investors / lenders / regulators / acquirers

Possible workstreams

  • Ask decomposition & prioritisation
  • Evidence & response pack
  • Specialist workstream coordination
  • Counterparty negotiation support
  • Follow-up & closure tracking

Discuss your organisation's specific situation

Every engagement depends on the organisation's circumstances, records, stakeholders and objectives. Schedule a confidential preliminary consultation to discuss the appropriate scope.

Schedule Consultation
FAQs

Frequently Asked Questions

Do you work on both promoter and lender sides?
Yes — but not on the same matter. We take strict conflict-clearance before accepting engagements.
Can you draft resolution plans?
Yes. Financial modelling, legal drafting and CoC engagement for resolution-applicant mandates.
Do you help acquire distressed assets?
Yes. Diligence, plan design, funding structure and post-close implementation.
Engage Samagra

Plan your distressed assets stage with a senior partner.

Share a brief on your business and we'll respond with a clear path forward within one working day.

All conversations are confidential. We typically respond within one business day.

WhatsApp