Frankfurt am Main, Germany
Clear, structured information on distressed loan management and credit servicing.
Nova Fides GmbH helps lenders, servicers, and account holders understand how distressed credit files are reviewed, restructured, and administered — explained plainly, one stage at a time.
This website is for general informational purposes only. Nova Fides GmbH does not extend credit, sell financial products, or offer paid advisory services through this site.
What we do
Coordinated support across the life of a distressed credit file
We work alongside lenders, servicers, and borrowers to keep distressed credit files organised, documented, and moving toward a resolution that both parties understand.
Portfolio Assessment
Reviewing loan documentation, payment history, and current status to build an accurate picture of each file.
Restructuring Coordination
Mapping out realistic repayment or restructuring options for discussion between lender and borrower.
Credit Servicing Support
Administering correspondence, records, and scheduling so nothing in a file gets lost or delayed.
Compliance & Reporting
Keeping documentation aligned with applicable German and EU credit servicing requirements.
How a file moves forward
Our four-stage servicing pathway
Every distressed file we support moves through the same sequence, so lenders and borrowers always know what stage a case is at and what happens next.
Intake & Review
We collect the loan agreement, payment ledger, and any prior correspondence, then confirm the current status of the account.
Typically week 1Structuring
Possible repayment or restructuring paths are drafted for review, taking into account the borrower's disclosed circumstances.
Typically weeks 2–4Agreement
Once both parties agree on a path forward, we help formalise the arrangement in writing and confirm next steps.
Typically week 5Monitoring
The file is monitored against the agreed schedule, with periodic reporting back to the lender and borrower.
Ongoing
Documentation, plainly explained
We keep every file organised and every term easy to follow
Distressed credit files often arrive scattered across letters, spreadsheets, and phone notes. We consolidate everything into a single, clearly labelled record, and explain each clause in plain language before any decision is made.
Our summaries are written for people, not just for compliance departments — so borrowers understand exactly what a restructuring proposal means for their monthly obligations.
Coordination between parties
A neutral point of contact between lender and borrower
Nova Fides GmbH acts as the coordination point during a restructuring discussion, scheduling calls, circulating updated terms, and keeping a written record that both sides can refer back to.
We do not make lending decisions ourselves; we support the parties who do, and keep the process transparent throughout.
- 12+
- Years of combined servicing experience
- DE / EU
- Jurisdictions our team is familiar with
- 3
- Working languages: German, English, French
- <24h
- Typical response time to enquiries
Have a question about a distressed credit file?
Reach out and our team will explain how the process works for your situation.