Businesses Seeking Loan

The business has a vast spectrum of services to offer across different domains creating multiple streams of revenue. The primary source of revenue for the business is through its HR consulting services such as recruitment and organisation restructuring. The HR services contribute towards roughly 60-65 percent of the total revenue. The other important revenue stream stems out of the strategy and process consulting services offered by the business like idea validation and internal audits. The process consulting services contribute to over 30 percent of the total revenue. The business has diversified and hired experts to provide digital marketing and branding services. These services contribute to a little over 5 percent of the total revenue but have massive growth potential. The business caters to over 6 clients in each of the domain of services but the numbers have reduced due to the pandemic. Currently the business has 2 clients each in the HR services and process consulting services domains. The average length of each project undertaken by the business is anywhere from 6 months to 2 years. The payment collection criteria adopted by the business varies from one kind of service to another. A single and complete payment structure for HR recruitment services and a monthly payment structure for other HR services throughout the life of the project. A monthly or a project base payment structure for strategy and process consulting services along with a monthly payment structure for digital marketing services is adopted by the business. Apart from cold calling and online advertising, the business has various other sources to gather work. The business is a member of the Hyderabad Management Association (HMA). The fellow members of HMA provide work opportunities to the business in the domain of HR services via referrals. The member of HMA who provides work opportunities to the business takes up to 20% of the net proceeds as a commission. The business is also a member of Business Networking International (BNI) group. The fellow members of the BNI group provide work opportunities to the business in the domain of strategy and process consulting via referrals but charge no commission for the same. The business also holds a membership to the esteemed Federation of Telangana Chamber of Commerce and Industry (FTCCI). The FTCCI is an important asset for the business as its other participating members provide work opportunities to the business in all three domains (HR, process consulting and digital marketing) in exchange for up-to 20% commission from the net proceeds. The business holds a contract with a firm in Bangalore to provide HR services. The contract has no expiration. The business outsources ERP projects through a collaboration with an ERP vendor in Chennai. For every ERP project undertaken by the business, 70 percent of the proceeds go to the vendor in Chennai and rest of the 30 percent is incurred by the business. This collaboration also has no expiration. The business halted its operations about 15 months back. The investment is required to restart the operations.

The business has a vast spectrum of services to offer across different domains creating multiple streams of revenue. The primary source of revenue for the business is through its HR consulting services such as recruitment and organisation restructuring. The HR services contribute towards roughly 60-65 percent of the total revenue. The other important revenue stream stems out of the strategy and process consulting services offered by the business like idea validation and internal audits. The process consulting services contribute to over 30 percent of the total revenue. The business has diversified and hired experts to provide digital marketing and branding services. These services contribute to a little over 5 percent of the total revenue but have massive growth potential. The business caters to over 6 clients in each of the domain of services but the numbers have reduced due to the pandemic. Currently the business has 2 clients each in the HR services and process consulting services domains. The average length of each project undertaken by the business is anywhere from 6 months to 2 years. The payment collection criteria adopted by the business varies from one kind of service to another. A single and complete payment structure for HR recruitment services and a monthly payment structure for other HR services throughout the life of the project. A monthly or a project base payment structure for strategy and process consulting services along with a monthly payment structure for digital marketing services is adopted by the business. Apart from cold calling and online advertising, the business has various other sources to gather work. The business is a member of the Hyderabad Management Association (HMA). The fellow members of HMA provide work opportunities to the business in the domain of HR services via referrals. The member of HMA who provides work opportunities to the business takes up to 20% of the net proceeds as a commission. The business is also a member of Business Networking International (BNI) group. The fellow members of the BNI group provide work opportunities to the business in the domain of strategy and process consulting via referrals but charge no commission for the same. The business also holds a membership to the esteemed Federation of Telangana Chamber of Commerce and Industry (FTCCI). The FTCCI is an important asset for the business as its other participating members provide work opportunities to the business in all three domains (HR, process consulting and digital marketing) in exchange for up-to 20% commission from the net proceeds. The business holds a contract with a firm in Bangalore to provide HR services. The contract has no expiration. The business outsources ERP projects through a collaboration with an ERP vendor in Chennai. For every ERP project undertaken by the business, 70 percent of the proceeds go to the vendor in Chennai and rest of the 30 percent is incurred by the business. This collaboration also has no expiration. The business halted its operations about 15 months back. The investment is required to restart the operations.

The company does wholesale and retail of FMCG products like agarbatti, edible oil, chocolates, and clothing. - We supply products to 150+ retail clients and 25+ wholesale clients. - Company supplies products of Cycle agarbatti, Swara agarbatti, Tirumalla oil. - Currently, we operate across Nanded city. - The promoter has 15+ years of experience in sales and marketing. - Last year sales were down due to covid. - The company is debt-free and has a sole owner.

Cocoa product has high demand in the world today. - The owner has much experience in agriculture, manufacturing, sales and marketing. - Promoter has an industry experience of 34+ years. - Our cocoa product participated in the world competition and came second place for three consecutive years. - Cocoa that will be grown by us will be exported to the Middle East and Australia. - Our production capacity will be 1,000 kilos per month. - The business has met all government-required regulations to start the business and currently is only in need of funds.

A newly established profitable business that has been able to get more business clients in a short time span. - Strong pipeline of potential clients eager to start working with us. - Very experienced team assembled. - A booming market that is looking to attract our expertise. - Unique terms for investors to make a return on their investment. - We currently have 3 active clients. - Promoters own apartments in Moscow and can provide them as collateral.

Our business is a shisha cafe that manufactures and produces a revolutionary Russian invention in the shisha/hookah paste. - The paste is a tobacco-free paste that is unique and special. - We manufacture and produce around 15,000 units of shisha paste per month. - Business has served around 24 clients so far, some of the clients are from Germany, Australia, Africa, and the USA. - We are acquiring new contracts of acquiring 25,000 units of production in a month from an American E-commerce company. - Business has also made a new mixed combined flavor which has acquired a new deal with a German firm. - The promoter assures the business is earning good revenue and focusing to earn more if the business can export more amount of quantity within the one-month time frame.

Company that owns and operates a mobile application to find technicians in your vicinity. - We are the pioneers of a Bangladeshi digital platform that provides more than thirty types of technical services through a mobile application. - Customers can choose from technicians of different expertise. - We promote the app through our website and Facebook page with 10,000+ likes. - We earn revenue through advertisements and charge a commission on the fees paid by the end-user. - End-users include homeowners and small construction companies. - The app finds all experts in the user's vicinity, has a live geo navigation system and has 2,400+ installs on Google Play. - Company needs funds to promote itself in Bangladesh and the neighbouring region of West Bengal in India. - The founder is fluent in Bengali, Arabic, and they have functional knowledge of English. - Founder is based in the Kingdom of Saudi Arabia and has work experience of 19 years as a technician.

Company involved in the processing and export of Cocoa to Northern Africa. - Seeking senior secured lender for a USD 1.5 million short-term commodity trade finance facility for a cocoa processor/trader in Spain. - Each deal amount is approx USD 50,000 - USD 100,000 on shipment of cocoa powder from Spain to 4–5 buyers mainly in Northern Africa (Morocco, Algeria, and Tunisia). - Each deal of 40-80 days is on an uncommitted, transactional basis and continuously recurs. - 60% of the deals are receivable finance of 30–60 days. Buyer non-payment risk is covered with Coface Spain credit insurance. - 10% of the deals are voyage finance of 10–20 days. Financing is from the load port to the destination port. The lender receives payment 2 days before the vessel. Arrives at the destination port. Release of title to cocoa occurs after receipt of payment. - 30% of the deals are voyage finance followed by receivable finance for a financing period of 40–80 days. - Up to 15 deals may overlap but cannot exceed USD 1.5 million in aggregate. - Senior secured lender to provide 85% of each loan. Hommocks will provide 15% of each loan as a junior secured lender. - Hommocks will document the agreements and book/administer the loans. - Interest rate is SOFR + 8%pa. Current SOFR is approx 5.35%pa. Thus, all-in rate is 13.35 %pa (=8.5% + 5.35%) currently. There will be a floor SOFR of 3.5%pa. - The borrower company was founded 11 years ago and is located in Northern Spain. - The borrower company's annual sales are USD 2.5 million, total assets USD 4 million, and equity is USD 0.8 million.