Businesses Seeking Loan

Established clothing retailer offering women’s, men’s, and children’s wear along with a wide range of accessories. - Product mix includes casual wear, formal wear, party wear, school uniforms, and swimwear. - Started over 30 years ago as a garment factory, transitioned into retail operations later on. - Expanded 10 years ago by merging four shop units into one large outlet, significantly growing customer reach. - Preparing to move into a bigger building with a modern, futuristic interior to match brand identity. - Mission is to provide stylish, high-quality, and affordable clothing with excellent service in a welcoming environment. - Strong supplier network with established vendors offering goods on credit. - Founder brings deep industry knowledge, fashion sense, and experience in trend-spotting and product selection. - The business operates with a valid operations license.

• Home renovation and interior design services business catering primarily to individual homeowners. • Executes ~2 projects per month with consistent demand. • Current pipeline includes 2 ongoing projects. • Strong vendor connections ensuring smooth sourcing and execution. • Promoter brings 18+ years of experience in home renovation and interiors. • Registered with GST.

Well-established supermarket located in a prime city area with strong footfall. - Attracts at least 300 walk-in customers daily, ensuring steady revenue. - Offers a wide range of grocery, household, and daily-use products. - Strategically positioned to serve nearby residential and commercial neighbourhoods. - Operates with a valid GST certificate.

Business type: Small software development and business consultancy firm based in Seoni, providing web development and business consulting services. - Core services: Website design and development for e-commerce stores and company websites, plus business strategy and consultancy for digital transformation. - Website development helps us to generate maximum revenue in our business. - Product offerings: Custom e-commerce websites, corporate websites, responsive web design, CMS integration, and basic SEO-friendly development. - Target customers: Small and medium-sized businesses, local companies and entrepreneurs needing e-commerce platforms and business process consulting. - Customer base: Actively serves 10–15 recurring clients, focused on local and regional markets. - Team and capacity: Operates with 8 employees covering development, design, and consulting functions; scalable for small to medium projects. - Revenue model: Project-based fees for website builds, recurring maintenance/hosting contracts, and hourly or retainer consulting fees. - Competitive advantage: Promoter with 7–8 years industry experience offering combined technical development and practical business consultancy. - The last year's annual revenue is missing because we were not operational last year due to the promoter's health issues.

• Pre-revenue holistic health and wellness clinic and corporate wellness venture based in Pala, Kottayam. • Will offer psychology, psychiatry, gynecology, dietetics, child development, life coaching, corporate training, workplace mental health, and telehealth via our physical centre and a mobile app. • Plans to launch a monthly wellness magazine as part of awareness and engagement strategy. • Targeting both individual clients and corporates through in-clinic services, workshops, and digital health offerings. • Transaction: Seeking loan of INR 10 lakh. → Terms: 12% p. a. for 1 year; EMI INR 30–40k/month with partial bullet at maturity. → Usage breakup: Clinic/equipment INR 3.5 lakh; Tech/app INR 2.5 lakh; Marketing INR 2 lakh; Working capital INR 1.5 lakh; Contingency INR 0.5 lakh. → Unsecured; backed by promissory note/cheques; no guarantor. • Financials: Pre-revenue; projected monthly revenues – M1: INR 0.75 lakh, scaling to INR 2 lakh by M6. → Break-even expected in 12–18 months. → Year 1 EBITDA margin target: 25–30%. • Team: 2 directors + 5 part-time consultants; plan to expand with 8–10 additional staff next year. • Promoters: – Promoter 1: MSc Psychology, 8+ years in Italy, expertise in clinical services and training. – Promoter 2: M. Tech in Environmental Engineering, background in government project management and operations. • Strategic advantage: Addresses rising demand for integrated wellness solutions in Kerala; combines clinical care, corporate training, and app-based telehealth. • Business registered with the MCA.

Unisex beauty salon and spa located in Kingston offering hair styling, haircuts, facials, manicure, pedicure, spa services and corrective skincare services. - Small team of 3 employees providing personalized grooming, skincare and luxury spa treatments. - Target customers: Local residents seeking salon services, walk-in clients, membership holders and beauty-conscious consumers in Kingston. - Current foot traffic: Average of 5 daily walk-ins, growth driven by expanded storefront and added services. - Revenue streams: Pay-per-service salon revenue (haircuts, facials, spa treatments), corrective skincare packages, and recurring income from Alpha membership subscriptions. - Loan purpose: Purchase additional salon & spa equipment and fund marketing to increase bookings, improve service capacity and scale client acquisition. - Competitive edge: Monthly spa specials, membership perks and emphasis on convenience and luxury grooming to differentiate from other salons. - Operational snapshot: Low overhead with 3 staff members, scalable service mix (add therapists or stylists as demand rises) and opportunity to boost revenue with targeted local advertising and promotions.

We are one of the top-selling brands of our 2 medicines in Rajasthan, which are used to treat indigestion, gastroesophageal reflux disease, and allergic skin conditions and sneezing and runny nose due to allergies. And we do the marketing for the brands ourselves. Our owner is an experienced business specialist with a demonstrated history of working in the pharmaceuticals industry. Over the last 2 months, the company has successfully engaged with doctors who are prescribing its brands, indicating a positive reception of its products within the medical community. At present, we have 10 clients who are certified pharmacy doctors and hospitals, but we are working with a vision to expand the business and the number of clients, including doctors and hospitals. We have a drug license, food license, incorporation certificate, and GST certificate.