Non-Performing Asset (NPA) Solutions
Portfolio clean-up, asset recovery and secondary debt trading for banks and financial institutions.
Image · Non-Performing Asset (NPA) SolutionsNon-performing asset (NPA) solutions help banks and financial institutions clean up stressed loan books, recover value and trade distressed debt. Matchpoint advises lenders and institutions on NPA and NPL portfolios: assessment and stratification, recovery and resolution strategy, and the sale or secondary trading of distressed loan portfolios to specialist investors and asset-reconstruction buyers. This is the institution-side counterpart to our NPL and loan-portfolio financing, where we can advise on and arrange acquisition financing for investors, subject to lender assessment, applicable requirements and a written engagement.
As part of our Debt practice, Matchpoint Partners has originated and led $2+ billion of transactions across four continents, and every debt mandate is led by a partner, from first call to close.
The central mandate decision. Choose between cure, restructuring, refinancing, enforcement or sale after establishing the realistic enterprise and collateral value. The solution should maximise risk-adjusted recovery within an evidenced timetable.
What capital providers or counterparties will test
Account conduct, borrower cash flow, security perfection, collateral condition, guarantees, legal stage, competing creditors, settlement proposals, management credibility and expected recovery costs.
How the mandate is structured
The route may combine consensual restructuring, new money, one-time settlement, asset sale, change of control or portfolio transfer. Decision rights and recovery waterfalls must be explicit.
Execution priorities
Segment the exposure by viable recovery route, define minimum acceptable outcomes and coordinate borrower, legal, valuation and potential-investor workstreams through one case plan.
Prepare before approaching the market
- Complete facility and security file
- Borrower and guarantor cash-flow analysis
- Independent collateral and enterprise valuation
- Scenario-based recovery and timetable model
Our role on non-performing asset (npa) solutions mandates
- Portfolio assessment, stratification and recovery modelling
- Recovery, resolution and one-time-settlement (OTS) strategy
- Sell-side advisory for NPL and distressed loan-portfolio sales
- Buyer and investor identification, including asset-reconstruction companies
- Secondary debt trading and non-core asset monetisation
Research relevant to this area
Original analysis and decision frameworks from the Matchpoint team.
Non-Performing Asset (NPA) Solutions — frequently asked questions
NPA solutions can support a bank or financial institution in assessing stressed and non-performing loans, planning recovery and resolution, and evaluating a sale or transfer to specialist investors. Any recovery, risk-transfer, capital-release or accounting conclusions require transaction-specific review of the terms, retained risks, rewards and control, and applicable requirements by the appointed specialists.
Yes. Matchpoint runs sell-side NPL and distressed-portfolio processes, from assessment and stratification through pricing, investor and asset-reconstruction-company outreach, and transaction execution.
A one-time settlement is a negotiated, discounted lump-sum resolution of a stressed loan between a lender and a borrower. Matchpoint structures and advises on OTS resolutions as part of a recovery strategy.
Potential buyers include asset-reconstruction companies, special-situations and credit funds, and specialist distressed-debt investors. Matchpoint can identify potential buyers and coordinate a competitive process, subject to mandate fit and a written engagement. Buyer interest, pricing and completion depend on diligence, approvals and agreed terms.
NPL financing concerns an investor's acquisition funding; NPA solutions concern the institution holding the stressed assets. Matchpoint's role is defined in the written engagement and may cover institution-side advisory or investor-side financing arrangement, subject to applicable requirements and conflicts review.
Matchpoint originates senior, mezzanine, hybrid and structured debt from regional banks, international lenders and private credit funds, structured around your transaction. Tickets range from USD 5m to USD 500m+.
Private credit is non-bank lending from specialist funds, typically senior or unitranche, offering speed and flexibility. We maintain relationships with private credit funds active in the GCC and India.
Yes. We structure Sukuk and Shariah-compliant private credit, including blended structures pairing a Sukuk tranche with conventional debt.
Engagements ordinarily combine a retainer with a success fee. Terms are agreed in writing before work begins and calibrated to the mandate’s size, scope and complexity.
Most mandates reach a first term sheet within 30 days, depending on diligence readiness and structure; closing follows once terms are agreed.
A short, confidential scoping call and NDA; we structure the requirement and prepare materials, then run a competitive process across our 5,000+ investor and lender relationships, and negotiate to close — with a partner leading at every step.
Matchpoint Partners is based in the UAE and runs cross-border mandates across the UAE, KSA, India and the UK, with active deal activity in wider Europe, Singapore and the United States.
Matchpoint undertakes corporate finance, financing, M&A and fund-placement mandates from USD 5m upwards, subject to mandate fit, diligence, applicable regulation, capacity and a written engagement. The partner team has originated and led $2+ billion of transactions.
Use the enquiry form, email contact@matchpoint-partners.com, or call/WhatsApp +971 55 345 6487. Every mandate is led by a partner from the very first conversation.
Yes. Confidential information is handled under the engagement terms and any applicable non-disclosure agreement.
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