3i Asset Resolution Consultants: Redefining Business Operations by Offering Single-window Financial Solutions

The modern financial system poses major problems to MSMEs, which risk both their existence and development potential. Especially in the last few years, it has brought forth liquidity problems and delayed payment issues. Additionally, businesses are facing difficulties in managing operational cash flow patterns as critical obstacles. The lack of financial expertise among MSMEs coupled with their insufficient technical knowledge creates difficulties in their relationship with banking institutions which results in detrimental consequences for both parties. Hence, the lack of understanding between financial institutions and MSMEs has generated a pressing need for specialist intermediaries to unite interests and facilitate liquidity rainfall.

Understanding this, 3I Asset Resolution Con-sultants (3I ARC) has emerged as a transforma-tive force, today. Founded in 2019 by Chetan Bhardwaj, a seasoned professional with deep roots in the realm of finance, 3I ARC functions as a company that operates under the frame-work of interest, intensity, and integrity. Po-sitioned as a single-window solution, 3I ARC tackles these aforementioned challenges head-on by offering tailored capital restructuring services, legal support, and financial expertise. The company assists MSMEs through its expert professionals and long-established banking connections while providing banks the capa-bilities to achieve successful Debt recovery. The company's key purpose is to bring stakeholders together through mutual understanding in or-der to secure market success while the sector demonstrates yearly growth rates between 10 to 15 percent.

A Comprehensive Solutions Deliverability

3I ARC functions as a specialist organization which assists struggling MSMEs, financial insti-tutions and banks. The company functions as a critical connector between banks and borrow-ers to develop realistic repayment strategies and stop defaults. The company delivers a com-prehensive single-window service that includes debt and capital restructuring, legal advisory elements, insolvency support as well as finan-cial mediation services. Here, borrowers benefit from the services that address financial liquid-ity issues and payment problems alongside le-gal conflicts.

Chetan Bhardwaj, Managing Director, 3I ARC highlights the growing market opportunity, stating, "As of now, the finance minister has reported more than ₹10 lakh crores in NPAs in the Indian market. If we don’t properly restructure MSMEs, this could double, creating a big problem for banks and financial institutions". The post-COVID liquidity crisis has strengthened the necessity for restructuring services, as demand increment reaches 10-15 percent annually.

3I ARC offers a comprehensive single-window solution that includes debt & capital restructuring, legal advisory elements, insolvency support as well as financial mediation services

Chetan Bhardwaj, Managing Director

A major obstacle exists because MSME borrowers and banks possess different perspectives regarding financial expectations. Chetan explains, "MSME owners may be technocrats, but their financial understanding is often limited. Banks, too, sometimes struggle to grasp the client’s situation. Our role is to bridge this gap and find mutually beneficial solutions". Furthermore, the company also brings expertise in DRT and NCLT cases as well as drafting restructuring proposals and delivering IBC insolvency advisory services.

A Noteworthy Journey

Since its establishment, the company has operated as a consultancy that helps small medium enterprises solve financial problems through interest, intensity, and integrity principles. Chetan started the firm when a bank manager approached him to help a troubled borrower which showed him structured financial solutions could connect lenders and businesses together. "We saw that capital restructuring wasn’t just about survival, it was about creating opportunities for growth", he recalls.

The journey of 3I ARC began by assisting banks in creating restructuring plans for clients who needed help with expensive mandatory requirements. The company earned recognition from banks as a bridge solution which provided integrated benefits for borrowers and lenders through its financial match ability. Furthermore, the company established its position in the market due to Chetan's extensive 20-25 years of banking connections combined with the expertise of experienced personnel which include chartered accountants, advocates, and financial experts from leading fund houses.

This dedicated journey led 3I ARC to establish itself as a one-stop service provider for capital restructuring, legal guidance and debt management services which secured its reputation as a single-platform solution. The company further gained recognition by developing robust platforms to offer B2B payment processing solutions. And since its establishment, the company has grown into a successful business that demonstrates its capability to survive market changes and its deep knowledge about India's financial market.

A Robust Future Roadmap

3I ARC operates with a strategic vision of implementing technological advancements to transform capital restructuring processes for MSMEs. A digital platform is under construction by the company to deliver a single-window financial solution which combines debt restructuring services alongside B2B payments and legal consultancy. Through this digital platform businesses eliminate their need for face-to-face meetings to access restructuring services.

Going forward, the company will continue to improve its B2B payment solutions as businesses need better ways to manage delayed receivables which has become a major problem today. Furthermore, it also aims to eliminate human-driven cash flow challenges and improve financial liquidity while continuously establishing partnerships with financial institutions and banks to build its network.

Through its existing framework 3I ARC aims to build a future which offers small businesses both readily available financial restructuring solutions and technologically enhanced processes. The company is set to transform capital restructuring through the integration of deep industry knowledge with digital innovation that enables MSMEs to recover and thrive and contribute to India's economic expansion.