Micro, Small & Medium Enterprise

MSMEs are businesses classified by size, revenue, and employees, contributing significantly to employment and economic growth.

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Debt Management & Restructuring

MSMEs often face financial stress due to high debt burdens, delayed receivables, or seasonal cash flow challenges. Our Debt Management and Restructuring service helps businesses regain financial stability by renegotiating loan terms, optimizing repayment schedules, and exploring restructuring under RBI and IBC frameworks. We provide strategic counsel and negotiate with creditors to reduce liabilities and ensure business continuity.

What is Micro, Small & Medium

Micro

Investment

Upto 1 crore

Turnover

Upto 5 crore

Small

Investment

Upto 10 crore

Turnover

Upto 50 crore

Medium

Investment

Upto 50 crore

Turnover

Upto 250 crore

Micro, Small & Medium

Micro

Investment
1 crore +

Turnover
5 crore +

Small

Investment
10 crore +

Turnover
50 crore +

Medium

Investment
50 crore +

Turnover
250 crore +

Advantages

Advantages
of MSME
Improved cash flow through restructured repayments
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Lower interest burden and extended loan tenure
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Relief from creditor pressure and legal notices
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Preservation of credit standing
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Eligibility for RBI and IBC resolution schemes
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Protection under moratoriums and relief mechanisms
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Customized debt resolution strategies
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Professional negotiation with lenders
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Step by Step

Financial health assessment and debt profiling

Identification of distress triggers and exposure levels

Evaluation of restructuring options (RBI/IBC)

Preparation of restructuring proposal or resolution plan

Step Flow

Negotiation with banks, NBFCs, and creditors

Formalization of revised repayment terms

Monitoring implementation and compliance

Ongoing support for debt servicing and recovery

Step By Step

All directors and subscribers must obtain DSC for digitally signing incorporation documents electronically.
Directors must secure a DIN from the MCA to be legally recognized as company directors.
Apply for name approval through SPICe+ (MCA portal), ensuring it aligns with business objectives and is not already registered.
Submit key documents including Memorandum of Association (MoA), Articles of Association (AoA), SPICe+ Form, and declarations by directors.
Upon MCA approval, the company receives a Certificate of Incorporation, including PAN & TAN registration.
Open a corporate bank account, register with SEBI (if applicable), comply with ROC filings, GST, and taxation requirements, and issue shares as per regulations.