FinTech Company Equity Stake For Sale in Bengaluru, India

The business is a fintech company providing Banking-as-a-Service (BaaS) solutions for the BFSI sector, with a focus on profiling, privacy, and payments.

The core products and services include:
- Payment solutions for banks and fintech companies.
- KYC (Know Your Customer) solutions for banks and fintech to facilitate customer onboarding and identity verification.
- Consent management platform for banks, NBFCs, and fintech to manage customer data privacy and regulatory compliance.
- Loyalty solutions that help businesses manage customer engagement and rewards programs.

The business generates income through transaction-based revenue, SaaS subscriptions, and API usage fees. Tangible Assets:
- Laptops and office equipment.
- Physical assets valued at approximately INR 40 lakh.

Intangible Assets:
- Proprietary intellectual property (IP).
- Banking-as-a-Service software platform.
- DPDP System of Record and Privacy Impact Assessment (PIA) platform.
- Goodwill and brand value.
- ISO and PCI DSS certifications.
- Cross-border licence application.

Total asset value of approximately INR 5 crore. The business operates from a 1,000 sq. ft. co-working office located in Bangalore.
Facility details:
- Office type: Co-working space.
- Built-up area: 1,000 sq. ft.
- Monthly rent: INR 3–5 lakh. The business has been self-funded and subsequently raised INR 8 crore in external funding. The angel investors have since achieved an exit valued at INR 20 crore.

Ownership structure:
- Founders: 60%.
- Investors: 30%.
- ESOP Pool: 10%.

The business had raised a loan of INR 12 crore, of which INR 9 crore has been repaid. The remaining loan is serviced through EMIs at an interest rate of 14%.