Fintech Distressed M&A & Asset Recovery

We start with a hard assessment of what is realistically preservable given regulation, capital, and technology resilience. Where the platform has strategic or infrastructure value, we structure a going concern or partial asset sale to transfer that value under new capital and governance. Where value sits mostly in recoverable assets, claims, or IP, we focus on enforcement and monetisation rather than continuation. The mandate is always to maximise controlled, realisable outcomes, not to preserve structures for their own sake.

Critical stakeholders usually include regulators, major investors, secured and key unsecured creditors, strategic partners, and in some cases technology vendors and data processors. We map their rights, leverage, and red lines at the outset. The transaction structure and documentation then convert that landscape into a binding framework of consents, releases, and consideration flows. Alignment is engineered through deal architecture, not requested through persuasion.

Speed is dictated by regulatory approvals, shareholder and creditor decisions, and data or operational handover complexity. We compress the process by running regulatory, legal, and commercial workstreams in parallel against a single execution timeline. In defined scenarios, binding frameworks can be agreed in weeks, with staged completion for regulatory or operational steps. The key is early clarity on non-negotiables and pre-wired stakeholder pathways.

SPVs and ring-fenced vehicles are used to isolate recoverable assets, claims, or IP from legacy liabilities and noise. They create a clean perimeter around value that can be sold, recapitalised, or enforced against with greater certainty. We design these vehicles so that transfers, security, and distributions remain legally robust and regulatorily acceptable. This structure converts fragmented positions into a single controllable asset for buyers or funders.

We treat the cap table as a legal and economic hierarchy, not a list of names. Cross-border stakeholders are categorised by security, ranking, governing law, and enforcement options. We then propose a recovery and exit framework that respects enforceable rights while avoiding value-destructive litigation races. Term sheets, standstills, and restructuring documents are drafted to be executable across the relevant jurisdictions, not just in the UAE.