Businesses Seeking Loan

Retailer of jewelry products in a prime location of the city. - Business manufactures gold jewelry on a very small quantity of 20 to 25 pieces of jewelry every month. - On average, the business receives around 20 customers every day. - Currently, the business has an inventory worth INR 50 lakhs. - The promoter has 21 years of experience in the jewelry shop business. - Our business has not taken any kind of business loan and does not have any outstanding balance so far. - The promoter holds 100% shares of the company.

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.

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.

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.

We are a food trading business located in Jamshedpur, specializing in snacks and related products. - We supply local stores and retailers in nearby states and cities, including Bhopal, UP, Bihar, and Banaras. - Our client base consists of around 200 active clients who rely on us for quality snacks. - We focus on building strong relationships with our clients to ensure repeat business and customer loyalty. - Our revenue comes from trading a wide variety of snacks at competitive prices to retailers.

The business is a Mahindra authorized spare parts retailer located in Khunti, Jharkhand. - The company offers a wide range of products, including car spare parts, accessories, bumpers, air filters, and car AC hoses. - Business operates through a retail store and caters to an average of 10 clients per day, which includes both garage owners and individual car owners. - Average bill value per transaction ranges between INR 4,000-6,000, indicating a consistent and significant revenue stream. - Company procures its products through distributors located locally, as well as in Delhi and Mumbai. - The business is registered under the Goods and Services Tax (GST).

• Clothes manufacturing and retail business that sells clothes under its own brand based in Kolkata, West Bengal. • The company has 25 employees who specialize in the manufacture of Kurta sherwani jackets, blazers, and Nehru jackets. • We have a manufacturing capacity of 60-70 pieces per day and is working with 3 suppliers. • The company has 20+ B2B clients and also manufactures for other brands. • We hold a trade license and is a fully legal business. • Our sales has increased from last year due to increase in manufacturing capacity.

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.

Located in Coimbatore, this small business specializes in the wholesale supply of industrial machinery, specifically color sorting machines, catering to diverse industries in India. - With over 15 years of experience, the company has established a strong reputation as a reliable supplier for rice and dal mill owners. - The product lineup includes top-selling machinery like rice millers and dall millers, targeting key customers in the peanut, plastic, cashew, and cardamom industries. - The business services an average of 5-6 machines per month, providing essential equipment for grain processing and sorting. - In addition to sales, the company offers comprehensive servicing and repair for their machines, ensuring high customer satisfaction and long-term client relationships. - With 10 dedicated employees, the office is designed to accommodate up to 20 people, facilitating efficient operations and customer engagement. - The business has made significant investments totaling 35 lakhs and is currently importing machines from China to meet growing demand across India. - Registered with GST and MSME, the company is seeking a loan for expansion, aiming to enhance product offerings and increase market reach in the industrial machinery sector. - We maintain good profits as we deal with imported machines.

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.