Businesses Seeking Loan

1. Location: The business is located in West Bandung. 2. Products & services: Offering business solutions in the technology field with an average project cost of IDR 380,000,000. 3. Client base: With a current client base of 7, the business has been operational for 2 years and is seeking capital to expand its customer base by adding 10 more clients. Our main client is Indonesia government. 4. Revenue model: The company generates revenue through its subscription-based maintenance service, development request, and IT consultation. 5. Market potential: The demand for technology or apps is currently really high, especially in the government sector. 6. Business has a registration and tax certificate.

Managing a loan portfolio of over ₹1,300 Crores, with deep penetration across Tier 2 and Tier 3 markets. - Successfully engaged 3.5+ million borrowers, building robust borrower intelligence datasets. - Trusted by multiple partner lenders, including banks, NBFCs, and fintech platforms. - The platform connects lenders and borrowers, but does not engage in lending or handle payment processing/settlements. Diversified revenue model: - Commission‑based income (10–36%) on recoveries. - SaaS subscription (AI platform) - One‑time setup and enterprise deployment fees. - Technology‑led differentiation through proprietary voice AI, behavioral scoring, and integrated on‑ground operations (Pragati Kendras) - Experienced leadership team with backgrounds at ICICI, FINO, Suryoday, IDBI, and Cashfree. - Backed by reputed investors and industry leaders. Current financial snapshot (latest month): - Revenue: ₹49.3 Lakh. - Total Cost: ₹49.6 Lakh. - EBITDA / net profit: ₹ (0.31 Lakh) (nearing break‑even) Cost structure overview: Direct costs (₹34.9 Lakh): - Telecalling & collections team: ₹23.8 Lakh. - Field operations & Pragati Kendras: ₹6.8 Lakh. - Supervisory staff: ₹4.3 Lakh. Indirect costs (₹14.7 Lakh): - Back office & support: ₹8.1 Lakh. - Technology & infrastructure: ₹1.4 Lakh. - Rent & administration: ₹2.6 Lakh. - Statutory & other expenses: ₹2.6 Lakh. Key financial insights: - Business has achieved near break‑even at ~₹50 Lakhs monthly revenue run‑rate. - Strong operating leverage: Incremental revenue expected to significantly improve margins. - Cost base is largely variable and scalable, aligned with growth in collections volume. - Transitioning toward higher‑margin SaaS and AI‑driven revenue streams. - The business is registered with the MCA. No other industry‑specific registrations or certifications are required.

Managing a loan portfolio of over ₹1,300 Crores, with deep penetration across Tier 2 and Tier 3 markets. - Successfully engaged 3.5+ million borrowers, building robust borrower intelligence datasets. - Trusted by multiple partner lenders, including banks, NBFCs, and fintech platforms. - The platform connects lenders and borrowers, but does not engage in lending or handle payment processing/settlements. Diversified revenue model: - Commission‑based income (10–36%) on recoveries. - SaaS subscription (AI platform) - One‑time setup and enterprise deployment fees. - Technology‑led differentiation through proprietary voice AI, behavioral scoring, and integrated on‑ground operations (Pragati Kendras) - Experienced leadership team with backgrounds at ICICI, FINO, Suryoday, IDBI, and Cashfree. - Backed by reputed investors and industry leaders. Current financial snapshot (latest month): - Revenue: ₹49.3 Lakh. - Total Cost: ₹49.6 Lakh. - EBITDA / net profit: ₹ (0.31 Lakh) (nearing break‑even) Cost structure overview: Direct costs (₹34.9 Lakh): - Telecalling & collections team: ₹23.8 Lakh. - Field operations & Pragati Kendras: ₹6.8 Lakh. - Supervisory staff: ₹4.3 Lakh. Indirect costs (₹14.7 Lakh): - Back office & support: ₹8.1 Lakh. - Technology & infrastructure: ₹1.4 Lakh. - Rent & administration: ₹2.6 Lakh. - Statutory & other expenses: ₹2.6 Lakh. Key financial insights: - Business has achieved near break‑even at ~₹50 Lakhs monthly revenue run‑rate. - Strong operating leverage: Incremental revenue expected to significantly improve margins. - Cost base is largely variable and scalable, aligned with growth in collections volume. - Transitioning toward higher‑margin SaaS and AI‑driven revenue streams. - The business is registered with the MCA. No other industry‑specific registrations or certifications are required.

Developing a renewable energy plant focused on manufacturing bio-CNG and ethanol from agricultural and organic waste. - Planned production capacity of approximately 3 tons per day, with planned industrial plant and gas storage infrastructure. - Business model includes supply of bio-CNG to oil marketing companies, commercial users, and industrial plants. - Will generate additional revenue through ethanol production and sale of organic fertilizer derived from digester slurry. - Projected annual revenue of around INR 12 crore. - In process of finalizing a long-term 15-year supply agreement with major oil companies such as Bharat Petroleum and Hindustan Petroleum. - Backed by promoters with over two years of focused research in biofuel and waste-to-energy solutions. - Incorporated as a private limited company with MSME (Udyam) and GST registrations. Will acquire the rest of the statutory licenses/approvals upon starting the operations. - Positioned to benefit from increasing demand for clean energy and government push towards sustainable fuel alternatives.

Company operating ad-hoc clinics in domestic and international locations. - Company signed an agreement on association with hospitals/clinics to use their OPDs and IPDs (OTs) (International & domestic) - Company also provided online medical consultations in India, Africa, the Middle East, and Bangladesh. - Completely asset-light business model. - The OPD and surgery fees are split between the company and associated hospitals or clinics 70:30 (70 goes to us). - Company presently represented by a team of 9 reputed and specialist doctors and surgeons with experienced medical counselors, treating both domestic and international patients. - International patients are referred by the associated international hospitals/clinics to us in India for medical procedures that can't be performed in their countries. - Owner is an MBBS, DNB internal medicine having more than 21 years of experience as a critical care specialist.

A retail store selling music instruments and sound systems based in Kohima, Nagaland. - We have musical instruments such as guitars, drums, piano and professional audio systems. - Receive an average of 15 daily customers. - We also regularly rent out our sound systems almost every day for various events. - Purchase the instruments and systems from 5 suppliers. - Physical assets include inventory and shop set up.