Businesses Seeking Loan

Newly established agri-trading business based in Bihar, focused on wholesale purchase and supply of maize, rice, paddy, wheat, and sugar. - Operates through both direct trading and commission-based supply partnerships with ethanol plants, feed companies, flour mills, and rice mills. - Strong sourcing access due to strategic location in one of India’s key grain-producing belts. - Operations run from a leased 3,000 sq. ft. facility in Kumhrar, Patna, with direct connectivity to mandi networks and transport routes. - Facility includes a high-roof warehouse (100–120 MT/month capacity), office space, and a separate loading/unloading zone for logistics. - Lease terms: ₹25,000/month under a renewable 3-year agreement, with potential to expand or relocate based on scale. - Actively negotiating the purchase of agricultural land to set up a 500 MT owned warehouse, aimed at reducing storage costs, improving inventory control, and qualifying for warehousing subsidies and agri-loans. - Plans to digitize procurement and logistics workflows to streamline operations and enhance traceability. - Seeking strategic investment to strengthen infrastructure, increase working capital, and expand market reach across India.

The business primarily focuses on real estate management and operates a grocery store, generating diversified revenue streams through property rentals and retail sales. - Owns five properties located in Sheohar, Bihar, and Jamshedpur, leveraging local demand for commercial spaces. - All these properties are registered under the same LLP entity, which manages and operates both the real estate and grocery businesses. - One property in Sheohar functions as a grocery store, which caters to the local community, providing essential goods and groceries, thus ensuring consistent foot traffic and sales revenue. - Three more commercial properties in Sheohar include one that is currently leased out as office space, creating a steady income from rent. - The business also possesses a vacant farmhouse property in Sheohar, which offers potential for future rental income or alternative uses such as events or agritourism. The third property is also a vacant commercial/retail space. - Another property in Jamshedpur is planned to be developed into a grocery store, which will further capitalize on the growing demand for retail and essential consumer goods in the region. - The business operates under a Limited Liability Partnership (LLP), providing legal protection and financial structure, efficient for managing its real estate and retail operations. - Overall, the combination of rental income from commercial properties and sales from grocery operations positions the business for sustainable growth and profitability in the local markets.

The business primarily focuses on real estate management and operates a grocery store, generating diversified revenue streams through property rentals and retail sales. - Owns five properties located in Sheohar, Bihar, and Jamshedpur, leveraging local demand for commercial spaces. - All these properties are registered under the same LLP entity, which manages and operates both the real estate and grocery businesses. - One property in Sheohar functions as a grocery store, which caters to the local community, providing essential goods and groceries, thus ensuring consistent foot traffic and sales revenue. - Three more commercial properties in Sheohar include one that is currently leased out as office space, creating a steady income from rent. - The business also possesses a vacant farmhouse property in Sheohar, which offers potential for future rental income or alternative uses such as events or agritourism. The third property is also a vacant commercial/retail space. - Another property in Jamshedpur is planned to be developed into a grocery store, which will further capitalize on the growing demand for retail and essential consumer goods in the region. - The business operates under a Limited Liability Partnership (LLP), providing legal protection and financial structure, efficient for managing its real estate and retail operations. - Overall, the combination of rental income from commercial properties and sales from grocery operations positions the business for sustainable growth and profitability in the local markets.

Local men's shoe manufacturing and wholesale business based in Chenari. - We produce around 3,000 pairs of shoes every month, meeting local demand with flair. - Currently, we work with 10 reliable clients, building solid relationships in the market. - Our product range includes various styles of footwear, catering to different customer needs. - We hold a GST certificate, ensuring all our operations are legit and above board. - Our business model thrives on wholesale, allowing us to maintain competitive pricing and cater to bulk orders. - We're all about quality leather goods, combining craftsmanship with comfort to deliver great value to our customers.

1. Reputed real estate developer running 20 projects across the states of Jharkhand (Dhanbad, Bokaro, Giridih, Ranchi) and West Bengal (Asansol, Durgapur, Andal) 2. We have signed an MoU worth INR 100 crore with Govt of Jharkhand during Momentum Jharkhand for developing affordable housing. 3. The promoters have 25+ years of experience in the domain and the CMD has also been awarded with Icon of Jharkhand and numerous awards from different organizations. 4. One of our recent projects is one of the largest private residential societies in Dhanbad having its own post office. 5. The company has a strong customer base of 5,000+. 6. The company provide 360-degree real estate solutions starting from land acquisition to project plan, marketing, sales and operations having its own in-house team across departments. 7. The projects we run are majorly large housing societies spreading from 0.5 acres to 100+ acres. 8. The last reported sales turnover was INR 150 crore. 9. The business has a vaild GST certificate available.

Chain of gyms with 4 branches in Bihar and Jharkhand. - The gym has a unique low Capex and low Opex model that allows it to operate profitably while never giving up on its clients. - We have 1 big branch that brings in about INR 1.5 lakh of monthly revenue and 3 small branches with a monthly revenue of INR 80 thousand. - All small branches have about 60-70 clients each and the monthly fees range from INR 300-500. - The big branch has 300 clients and they pay INT 700 per month. - All the branches are operated by us and we own the brand name as well. - Monthly expenditure on the salaries across all branches is INR 70 thousand. Low salary cost due as we are located in cities with extremely low labour costs and cost of living. - No licenses are required apart from basic business registration and GST.

We have started this organization, in order to provide the best microfinance services to cater for the financial needs (under the JLG/individual model) of the underprivileged & unbanked section of our society. - Currently, we are working as an NPA recovery partner of four reputed NBFCs (Hinduja, Muthoot, Reliance Capital & Chola) for Jharkhand, Bihar & West Bengal states and BC (Business Correspondent) partner for MSME & JLG business with three reputed NBFCs (Arthmate Financing India, Avanti Finance & Clix Capital). - Established in the middle of last year, but started our operation as an NPA recovery partner from December onward & as a BC partner 6 months ago. - Presently we are having a tie-up with Arthmate Financing India Private Limited for Jharkhand & Odisha states for MSME loans. Right now, we have two branches with Arthmate. These are at Ranchi & Pakur. - We need to open 15 more branches at the mentioned two states to provide services of Arthmate. Currently, we are having AUM (Asset Under Management) of INR 0.17 Cr with Arthmate. We have recently started working as BC partners for JLG loans of Avanti Finance (a TATA group company). Initially, Avanti has allowed us for three districts of Jharkhand. These are East Signbhum, West Singhbhum & Seraikela Kharsawan. They have allocated three more districts (Gumla, Khunti & Pakur) of Jharkhand. We are going to open 5 more branches with Avanti within this month. Based on their initial allocation, we have opened 6 branches in the mentioned geography, these are Seraikela, Chandil, Hata, Chaibasa, Chakradharpur & Jagannathpur. As of now, we have having AUM of INR 6.86 Cr with Avanti Finance. - Revenue model: We get paid on a profit-sharing basis from the interest collected. The NBFCs charge a 27% interest of which we get half of the interest received. - Most of our branches were recently opened and we now have 10 different branches with a total of 64 employees. Most of the staff are customer service officers and are overseen by the branch managers. - Being a Core team member & key managerial person (KMP) of this organization, the promoter has over a decade of sound experience from different NBFC-MFIs, across the country. - Our other core team members also have 12 to 15 years of average experience in the Financial Sector. We are going to be associated with a few more organizations (like Arohan, Annapurna, Samunnati etc) soon. - We are following 100% cashless collection & triple level verification before disbursement. Considering the situation, to enhance our business and open new branches across the country, we need at least a working capital of Rs- 1.5 Cr- 2 Cr.

The business is strategically located in 4 locations across Bihar, focusing on the lucrative waste management sector, particularly plastic waste segregation and processing. - Maintains strong relationships with 30 to 35 active clients, predominantly in the recycling industry, securing a steady customer base. - Operates on a favourable profit-sharing model with the Bihar government, distributing 45% of profits to the government while retaining 55% for the company. - The processing capacity of the business is robust at 12 tons per month, enhancing its operational efficiency and market competitiveness. - Established MOU with BPMU, indicating a formal partnership that may provide additional business opportunities and support. - Comprises a lean team of 3 dedicated employees, which optimizes operational costs while allowing for agile decision-making. - Registered with GST and holds a pollution control board license, ensuring compliance with regulatory standards and enhancing credibility.

Our business is a home appliances wholesaler and distributor of televisions, air conditioners, and home theatre. - Business has tie-up with a reputed company for television and home theatres. - The company is registered in Jharkhand, but we operate our business from Patna as most of our clients are based in Patna. - We distribute our products to 17 distributors in Bihar and 2 in Uttar Pradesh. - Business has seen a growth of 50% in the sales from last year. - The promoter has 6 years of experience in the electronics industry. - Once we secure more brands and companies, we can generate good revenue.