Supermarket Seeking Loan in Narayanganj, Bangladesh

Top-selling products and services:
- Daily groceries (rice, lentils, oils and sugar): Used by households for everyday cooking.
- Fresh dairy (milk, yogurt and ghee): Families and tea shops use these for drinking, cooking, and making sweets.
- Branded snacks and beverages: Teenagers and office workers use them for quick refreshment.
- Fruits and vegetables: purchased daily by homemakers and chefs for healthy meals.
- Household essentials (soaps, cleaners and toiletries): Regularly bought by families to maintain hygiene.
- Monthly milk subscription with home delivery: Subscribed to by busy urban families who want fresh milk at their doorstep.
Who uses them:
- Housewives and families: For daily household needs.
- Shopkeepers and small businesses: Wholesale buyers of milk and dairy for resale.
- Health-conscious customers: For premium products like ghee, honey, and fresh produce.
- Office workers and students: For snacks and beverages.
How they're used:
- Groceries: Cooking daily meals.
- Dairy: Drinking, making desserts, and preparing tea or coffee.
- Snacks: Instant consumption and refreshment.
- Subscription service: Regular fresh milk delivery without needing to visit the shop. Physical assets include store inventory, storage units, and minor electrical equipment. Built-up area:
- Approximately 2,500–3,000 sq. ft. of retail space designed for easy customer movement and effective product display.
Number of floors:
- 2 floors.
- Ground floor: Grocery, dairy, and daily essentials.
- First floor: Non-food items, household goods, and storage.
Rental/lease details:
- Rented property under a long-term lease agreement to ensure operational stability.
- Lease includes renewal options for continued use.
Key features of the facility:
- Spacious aisles for comfortable shopping.
- Cold storage for dairy and perishable items.
- Dedicated delivery area for subscription milk service and wholesale buyers. Funding details:
- The business is currently self-funded through the promoter’s personal investment and reinvested profits from operations.
- There are no external investors or venture capital involvement so far.
- Working capital is supported by business revenue and short-term supplier credit.
Debts/loans outstanding:
- A small working capital loan of approximately BDT 20 lakh has been taken from a local bank/co-operative for inventory stocking during peak seasons.
- There are no long-term debts or large financial liabilities on the books.
Ownership structure:
- Single proprietorship with 100% ownership by the sole proprietor.
- There are no external shareholders or partners.