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Running a business comes with its fair share of ups and downs. When cash flow slows or revenue drops, business loans that once seemed manageable can quickly become a burden. At Loanifyr.com, we help MSMEs and entrepreneurs restructure their business loans legally — allowing them to regain stability without the fear of default or asset seizure.
Whether you're facing mounting EMIs, delayed customer payments, or have already received legal notices, our team of financial and legal experts steps in to renegotiate terms, reduce liabilities, and prevent legal action.
Our Business Loan Restructuring service is focused on ethics, legality, and helping your
business bounce back from financial distress.
💼 We speak directly to the bank or financial institution on your behalf
📑 Draft a detailed restructuring proposal based on your cash flow and
liabilities
📉 Negotiate EMI reduction, moratorium period, or tenure extension
⚖️ Prevent legal action and help you comply with RBI restructuring schemes
📈 Guide you on rebuilding creditworthiness and working capital discipline
Business loans are a vital tool for growth — but when income slows, loan repayments can turn
into a heavy burden. At Loanifyr.com, we help businesses of all sizes legally restructure
their business loans to ease the financial pressure, avoid legal action, and ensure business
continuity.
Whether you're facing EMI defaults, mounting interest, or have received legal notices from
banks or NBFCs, our team of legal and financial experts steps in to negotiate on your behalf
and restructure your loan in line with RBI and banking norms.
Assess your business’s current financial health
Identify loan types (term loans, working capital, OD/CC limits)
Prepare detailed financials and cash flow projections
Liaise directly with your bank or NBFC
Present a restructuring plan: extended tenure, interest reduction, moratorium
Ensure compliance with RBI-restructuring guidelines
Prevent SARFAESI action or auction proceedings
Draft legally binding agreements
Assist with NCLT or RBI restructuring schemes if needed
👨🔧 Rajat’s Manufacturing Unit – Ghaziabad Rajat’s small-scale factory struggled with delayed payments during the economic slowdown. With ₹72 lakhs in business loans overdue, Loanifyr negotiated with the bank to restructure the loan — granting a 6-month moratorium and spreading repayment over 5 years. Rajat avoided legal action and revived operations.
👩💼 Kavita’s Marketing Agency – Bangalore Kavita’s agency faced cash flow issues due to client defaults and COVID impact. She had ₹38 lakhs in OD limits and working capital loans. Our team restructured her debt into a consolidated term loan with lower monthly EMIs, preventing further notices and asset attachment.