Businesses Seeking Loan

Track record & experience: - Over 10 years of experience in landscaping and hydroseeding services in Latvia and select international markets. - Strong expertise in green infrastructure, soil stabilization, erosion control, and lawn development across varied environments. Business scope & revenue model: - Professional hydroseeding services for private, industrial, and municipal projects. - Manufacturing and sale of hydroseeding materials such as mulch, hydrogel, and bonding agents, supplied to clients across Europe. - Design and production of custom hydroseeding equipment for contractors and landscaping professionals. - Pricing is based on project size and scope, supporting both one-time projects and long-term contracts. Client base & markets: - Serves commercial and private landowners, construction and landscaping contractors, municipalities, and infrastructure developers. - Products and services are used across the Baltic region, Scandinavia, and other European markets. Partnerships & business relationships: - Maintains partnerships with local and international suppliers of seeds and landscaping materials. - Works with recognized business support organizations, including Altum (a development finance institution in Latvia) and the Latvian Chamber of Commerce and Industry. - Participant in the business incubator program, supported by a grant under the European Regional Development Fund, indicating external validation of the company’s growth potential. Promoter & team experience: - Built on more than a decade of hands-on experience in landscaping, hydroseeding services, and material development. - Possesses technical expertise in both service execution and custom equipment design. Awards & recognition: - Supported by national and regional business development grant programs, reflecting early-stage credibility and growth potential. Reason for drop in run-rate sales: - The decline in run-rate sales is due to the seasonal nature of landscaping activities, with lower demand during winter months. - To reduce seasonality, the company plans to expand into the manufacturing of hydroseeding equipment and materials, enabling year-round revenue generation. Revenue and employee structure: - The company operates with a small permanent team supported by seasonal workers hired for approximately 3–4 months during peak periods. - Seasonal employees are not included in the permanent employee count, which explains the higher revenue levels relative to the listed workforce size.

• Operates a top-ranked bakery and pastry brand on TikTok Shop Malaysia. • Best known for Sarawak layer cake with strong cultural appeal and gift suitability. • Products have a long shelf life, making them ideal for travel-friendly souvenirs. • Achieved top position in the pastry & bakery category and overall F&B among 14,000+ TikTok shops. • Served over 200,000 online customers within 12 months using a single core SKU. • Records annual revenue of approximately MYR 4 million with strong online traction. • Generates majority of sales through TikTok Shop and Shopee storefronts. • Handles average monthly order volumes of 50,000–60,000 pieces. • Currently relies on contract manufacturing to fulfill production. • Company maintains a core team of permanent employees to ensure stability and operational continuity, while also hiring contract staff as necessary to manage seasonal demand. • Faces supply-side constraints due to limited capacity and inconsistent quality from suppliers. • Currently, lacks in-house certifications, restricting offline retail and export expansion and hence is seeking investment to establish a certified production facility and scale distribution. • Targets revenue growth of at least 3x with EBITDA margin expansion up to 25%. • Led by a founder with deep digital marketing expertise and offline sales experience. • Registered with SSM certification.

Early-stage digital real estate platform focused on property listing, promotion, and allied services. - Based in Bhubaneswar, Odisha, with plans to operate on a pan-India scale. - Revenue model includes subscription fees, listing charges, property marketing services, legal verification, and market valuation support. - Platform will cover residential, commercial, rental, and auction properties across multiple categories. - Aims to simplify the buying process by enabling buyers to evaluate properties digitally without mandatory site visits. - Proprietary database of approximately 200–300 property records already structured for platform integration. - Product roadmap includes launch of mobile and web applications for sellers, brokers, builders, and buyers. - Currently in pre-revenue stage, registered and operational for approximately two months. - Lean team of 8 employees handling technology, data, and early operations.

The business operates in the education sector, offering schooling and college education in Visakhapatnam. - Provides comprehensive education from 1st standard to 12th standard, catering to a wide age range of students. - The institution currently serves a student base of approximately 450, ensuring a focused learning environment. - The establishment is recognized with a registration certificate, highlighting its legitimacy and compliance with local education regulations. - Services include a well-rounded curriculum, extracurricular activities, and student support, aimed at fostering holistic development. - Revenue is generated through student tuition fees and possibly additional services such as workshops and after-school programs, making it financially sustainable.

Business overview: A newly established automobile wholesale company based in Kochi, India, specializing in the export of brand-new passenger vehicles, specifically targeting overseas importers and automobile dealers. - Export focus: The company operates primarily under confirmed Letters of Credit (LCs) for secure international transactions, ensuring prompt payment and risk mitigation. - Core products: The flagship products include popular models like the Toyota Land Cruiser and Hyryder, appealing to a global audience looking for high-quality passenger vehicles. - Customer base: The primary customers are importers and automobile dealers in markets such as Sri Lanka and Africa, showcasing an international clientele. - Operational model: The business employs an asset-light model with a high capital-rotation strategy, enhancing cash flow management while maintaining an operating EBITDA margin of approximately 5–6%. We also do not require a large workforce, and 4 employees are sufficient to fulfill all current export commitments. - Investment opportunity: Seeking working capital to fulfill current export orders and upcoming inquiries for 40 additional vehicles, with an expected investment return of up to 3% per month from realized export profits. - Financial health: Currently, there are no outstanding loans, making the business a low-risk investment. The operating cycle is typically 30–45 days, ensuring rapid turnover of capital. - Strategic location: Based in Kochi, the company benefits from its proximity to major ports and extensive dealer networks, facilitating efficient logistics and export operations.