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.

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.

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 food truck has been operational for 11 months with average monthly revenue of approximately ₹1,00,000. - The business follows a direct-to-customer cash sales model with low operating costs, resulting in high margins (profit up to 57% on key menu items). - The promoters are directly involved in daily operations, ensuring quality control, cost efficiency and repeat customers. - Business has a registration certificate and FSSAI license.