Commercial Loans Company Equity Stake For Sale in Habra, India
Registered Nidhi company offering secure, collateral-backed financial services, seeking expansion-loan to scale operations and reach.
| Established | 1-5 year(s) |
| Employees | 10 - 50 |
| Legal Entity | Public Limited Company |
| Reported Sales | USD 10 - 20 thousand |
| Run Rate Sales | USD 21 thousand |
| EBITDA Margin | 30 - 40 % |
| Industries | Personal Loans + 1 more |
| Locations | Habra |
| Local Time | 8:29 PM Asia / Kolkata |
| Listed By | Business Owner / Director |
| Status | Moderately Active |
Partial Stake Sale
USD
50 thousand
for
80.0%
stake
(Native Currency: INR 4,707,000)
Reason: For expansion and addition of more services, an investor is required.
Includes physical assets worth
USD
3.16 thousand
Name, Phone, Email
Available after connect
Business Name
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User Verification
Documents
Memorandum of Association
(1022.5 KB)
Articles of Association
(3.3 MB)
Certificate of Incorporation
(174.4 KB)
Office
(243.2 KB)
Business Overview
- The company operates on a membership-based interest spread model.
- It has a current loan disbursement portfolio of INR 40 lakh.
- The average annual interest rate is 20-30%, with a maximum ticket size of INR 2 lakh.
- Currently, there are 60 outstanding loans generating interest income.
- The business provides loans to consumers and MSMEs.
- It serves 400 registered members.
- The company generates revenue through interest income.
- It is managed by promoters with strong expertise in Nidhi Rules and secure lending practices.
- The business has 10 permanent employees to ensure smooth operations.
- The company is registered as a public limited entity with GST, PAN, and is governed by MCA.
- 80% shares will be transfer to loan provider.
- Saving deposit from member allow under nidhi company law.
- Loan Provide to Member allow under nidhi company law.
- The nidhi company also know as the quasi-bank as per it's business model as per nidhi law (nidhi rules 2014)
- It has a current loan disbursement portfolio of INR 40 lakh.
- The average annual interest rate is 20-30%, with a maximum ticket size of INR 2 lakh.
- Currently, there are 60 outstanding loans generating interest income.
- The business provides loans to consumers and MSMEs.
- It serves 400 registered members.
- The company generates revenue through interest income.
- It is managed by promoters with strong expertise in Nidhi Rules and secure lending practices.
- The business has 10 permanent employees to ensure smooth operations.
- The company is registered as a public limited entity with GST, PAN, and is governed by MCA.
- 80% shares will be transfer to loan provider.
- Saving deposit from member allow under nidhi company law.
- Loan Provide to Member allow under nidhi company law.
- The nidhi company also know as the quasi-bank as per it's business model as per nidhi law (nidhi rules 2014)
Products & Services Overview
Primary offerings include gold loans, property-backed loans, and fixed/recurring deposits for members, delivered through strict KYC and secure lending practices.
Assets Overview
Tangible assets include office infrastructure worth INR 3 lakh.Intangible assets include app, website, and system worth INR 480,000, and Nidhi license worth INR 15 lakh.
Financial assets: Total:
- Mortgage secured: INR 6.12 lakh.
- Rent deposit worth INR 5.5 lakh refundable at the end.
- Personal loans unsecured worth INR 7.45 lakh.
- Possible recovery personal loans worth INR 4.2 lakh.
Other current assets:
- Prepaid legal expense of INR 3 lakh for upcoming 1 year.
- Prepaid Software expense of INR 2 Lakh for upcoming 1 year.
Facilities Overview
The business operates from a 500 sq ft office located in a director’s personal property and another rented 700 sq ft office with secured deposit amount of INR 5.5 lakh and monthly rent of INR 15,000.
Capitalization Overview
The company is currently funded through promoter equity. It has three directors and no outstanding loans.
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