Introduction
For founders and CFOs across India, business is a constant balancing act. When credit gets tight or litigation throws a wrench in your plans, what matters most isn’t what’s gone wrong, it’s how you adapt. More and more, business leaders are moving beyond old-school “wait and hope” mindsets, using flexible tools like OTS finance, alternative and project funding, and bridge loans.

This guide breaks down what’s actually working today for firms building resilience: how to get out of loan trouble fast, keep cash moving, and use the new breed of funding partners, sometimes for the first time. Whether you’re scaling up, stuck with an NPA, or planning a big pivot, here are the tools businesses count on to push past roadblocks.

OTS Finance and OTS Funding: Get Back in the Game
When a lender offers a One-Time Settlement (OTS), the sense of relief is real, but so is the pressure. Most banks give a tight deadline, and raising a lump sum on short notice can be make-or-break. Today, OTS funding has emerged as a lifesaver: specialist providers lend precisely for these settlements, letting you clear the slate, repair credit, and move on. The trick is to go in early before legal escalation to grab the best possible terms.

Alternative Funding: Thinking Outside the Bank
When banks drag their feet or set conditions you can’t accept, “alternative funding” is no longer a buzzword, it’s a must-have. Flexible lenders, including private credit funds and NBFCs, often provide loan terms geared to the realities of your business. Hire purchase finance is less capital-intensive and opens doors for midsize firms priced out by stricter banks.

Bridge Loans: Built for Urgency
Sometimes the problem is simple: you’ll have funds next quarter, but bills are pressing now. That’s what bridge loans are built for: fast, short-term funds to cover stuck receivables, secure inventory on a flash deal, or pay a make-or-break settlement.

Litigation and Stay Order Funding: Turn Legal Hurdles Into Opportunity
Legal issues can freeze cash for months or years. Instead of sacrificing day-to-day growth or missing out on court-awarded settlements, third party litigation funding steps in: a specialist firm covers legal costs, paid from future recoveries. Stay orders can bring hard times, but smart working capital loans help you keep staff on payroll, production moving, and morale high while the case runs its course.

Project and Mezzanine Financing: Growth Without Sacrificing Control
Major expansions demand more than a single bank’s risk appetite. The new norm? Mezzanine financing and project funding that let owners keep more control, often structured with profit-sharing or conversion features, not steep equity dilution. RBI’s current directions give admirably clear rules for such funding (see Legal500’s breakdown). For founders bold enough to chase new markets, it’s a game-changer.

Staying Liquid: Working Capital Loans Done Right
Cash crunch? Unless you choose to ignore it, it's not a warning sign. The modern strategy is to combine project lines and working capital loans from various sources so that you can cover inputs, fund payroll, and pursue new orders even in times of uncertainty. Important advice: don't just use flat EMIs; adjust repayment plans to reflect actual bill cycles.

Wrapping Up: Put Options Before Outcomes
The best-run businesses aren’t the ones that never hit roadblocks, they’re the ones that ask for help at the right time, weigh funding options with a pro’s eye, and take action before doors close. OTS, bridge finance, alternative funding, litigation solutions, mezzanine, and project loans, these aren’t silver bullets, but with strong guidance, they’re a real path to clarity and comeback.

Why Choose Credit Curators?
At Credit Curators, we work directly with clients not just to approve funding, but to plan every detail, manage timelines, and help negotiate settlements that lay the groundwork for tomorrow’s wins. Transparent, regional, and deeply connected, we take your challenges personally.

Every problem has a pathway. With the right partner, you don’t just survive - you move forward, stronger.