Businesses Seeking Loan

Have exclusive agreements with very reputed Blue chip companies. - Have own marketing team, provide weekly training to team, own certified warehouses. - Contracts with all local big chains / distributors and have 100+ regular clients. - Excellent reputation in the market and MOH. - No liabilities at present. - Director has 25+ years of experience.

One of the leading exporters of semi-processed used hydrocarbon oils, importing over 50,000 MT annually from Canada, the USA, and the Caribbean Islands to India, promoting sustainability in the circular economy. - Operates with a zero-capital expenditure model, generating monthly revenues exceeding $300,000 and sharing profits with financial partners to maintain a low-risk operational framework. - Promotor is an accomplished entrepreneur with extensive experience in fuels, metals, automotive, and aerospace sectors, ensuring strong leadership in the market. - Exclusive sourcing agreement and partnerships with top recycling and waste management firms guarantee secure, end-to-end processing of used oil products. - Committed to sustainability and compliance, recognized for innovative recycling practices, and holds certifications for hazardous waste management and environmental standards. - Plans to expand into re-refining operations to convert used oils into high-value base oils, enhancing profitability and solidifying control over the recycling process. - We operate with 6 permanent employees in the company as most of the work is taken care of by our partners. Storage and logistics operations are outsourced to third-party partners. - Our business operates on a zero-capex model, meaning we do not own any physical storage facilities, warehouses, or office buildings. This approach allows us to maintain flexibility and scalability without capital investments in infrastructure. Additionally, all our employees work remotely, which helps us minimize overhead costs and adapt easily to varying business demands. - We’ve experienced significant revenue growth this year compared to last, driven by a sharp increase in export volumes. While we initially focused solely on oil exports, we’ve successfully expanded our portfolio to include metal exports, opening up new markets and boosting overall profitability. - The business holds an active oil & gas license for operations in Canada, along with an import/export license for international trade. It is also certified for handling and recycling hazardous materials through authorized partner facilities, ensuring compliance with industry and environmental standards.

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.

Located in Mysore, this dynamic e-commerce company bridges the B2B and B2C sectors with its diverse range of offerings 13 FMCG food products, primarily spices and masalas. - With a compact but efficient team of 8 employees, the business effectively manages operations spanning retail, e-commerce, and manufacturing sectors, enhancing market presence. - The business is currently focused on perishable goods like fruits vegetables and spices but plans to phase out this segment (fruits and vegetables) in the future. Strategically, the focus will shift towards non-perishable items such as apparel, footwear, appliances, and electronics, in order to capitalize on higher-margin opportunities. - Competitive advantages include robust distribution channels, stringent quality and hygiene controls, an affordable pricing strategy, and a strong emphasis on non-perishable products. However, there has been a drop in sales due to the current focus on perishable goods. - In the spices and masala market, the entity faces competition from prominent players like MTR, Aachi, Catch, Sparsh, and GRB, yet differentiates itself through superior warehousing and distribution capabilities. - The products are sourced from Maharashtra with a minimum order of INR 10 lakh, underscoring the company's strong market presence and extensive customer base. - The company’s innovative model targets convenience by providing end-to-end warehousing and distribution, ensuring a seamless customer experience and fostering long-term client relationships within the retail and manufacturing domains.

Newly established company providing water & waste water treatment plants and accessories to its clients. - Have 4 overseas vendors and 3-4 local vendors from whom we procure the products. - Have more than 30 permanent clients. - We also provide operation and maintenance services. - Our assets include license, website, domain, client database and stock. - Company expects sustained growth in the days ahead as we are continuously trying to meet our client needs. - Have already purchased the domain and website is under construction. - Owner has 22 years of experience in this business out of which 14 years in Bahrain. - The owner is the sole proprietor.

Newly established company into developing software for school management. - The product developed is for attendance, daily assignment, fee management, result management, time table management. - The product has web application for the teachers and Android application along with web application for students. - We have sold our software to two schools in Ghaziabad. - We are selling the product in a fixed price of INR 10,000 to each school for one year.