Businesses Seeking Loan

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.

The business provides end-to-end building project services, including blueprint design and civil engineering. - Based in St Mary, it serves a strategic market area with strong growth potential in real estate and construction. - We started operations 6 months ago, so there is no previous year's revenue to report. - The company typically undertakes one to two projects per year, ensuring focused attention and high-quality execution. - Each project usually spans over a year, reflecting its commitment to detailed planning and timely completion. - Currently, the company is engaged in a major project involving the development of commercial retail and residential units across a two-acre land parcel. - It has established relationships with two long-term clients in the real estate and construction industries. - The promoter holds a Master’s degree in Architecture and oversees all design and construction processes. - In addition to its core services, the company also supplies concrete blocks on a smaller scale. - The firm employs eight permanent staff members who manage daily operations and also work as contractors. - The business is registered as a private limited company.

The business provides end-to-end building project services, including blueprint design and civil engineering. - Based in St Mary, it serves a strategic market area with strong growth potential in real estate and construction. - We started operations 6 months ago, so there is no previous year's revenue to report. - The company typically undertakes one to two projects per year, ensuring focused attention and high-quality execution. - Each project usually spans over a year, reflecting its commitment to detailed planning and timely completion. - Currently, the company is engaged in a major project involving the development of commercial retail and residential units across a two-acre land parcel. - It has established relationships with two long-term clients in the real estate and construction industries. - The promoter holds a Master’s degree in Architecture and oversees all design and construction processes. - In addition to its core services, the company also supplies concrete blocks on a smaller scale. - The firm employs eight permanent staff members who manage daily operations and also work as contractors. - The business is registered as a private limited company.

Located in Nassau, the business specializes in local trucking services and garbage collection tailored for small businesses and apartment owners. - Maintains a dedicated service base of 20-30 clients, ensuring a consistent revenue stream. - Operating with a lean structure, the business has only 1 employee, who is also the business owner. - Offers standard weekly service, reinforcing reliability and convenience for clients. - Implements a payment structure where clients are billed at the end of the month, improving cash flow predictability. - Achieves an average charge of $80 per client per month, positioning itself competitively in the local market.

Trading business supplying a comprehensive range of electronic products including printers, CCTVs, switchboards, wires, and lighting equipment. - Holds active contracts with over 50 construction companies and builders, serving their ongoing infrastructure and office setup needs. - Offers high-quality electrical and electronic supplies essential for modern construction and commercial projects. - Maintains higher profitability by keeping operational costs low in the business. - Plans to expand operations into construction material trading to diversify revenue and strengthen client relationships. - GST certified, ensuring transparent operations and compliance with national trade regulations.

Engaged in trading and wholesale supply of all types of scrap including ferrous and non-ferrous metals, paper waste, precious metals, and plastics. - Scrap materials are procured from reputable clients such as ITC Limited and Denso Kirloskar, reflecting strong credibility in the sector. - Currently supplies paper waste to 3 paper mills under regular contracts. - Revenue is generated through high-volume trade, long-term partnerships, and on-demand material supply, enabling steady cash flow and competitive pricing. - Promoters bring over 10 years of experience in waste management, recycling, and sustainable trading operations. - Well-established relationships with corporates, suppliers, and logistics partners ensure smooth and scalable business execution. - Committed to sustainability and circular economy practices, with eco-conscious operations focused on efficient waste processing. - Holds valid GST registration and Pollution Control certification, ensuring full regulatory compliance.

Operates as a large-scale food and commodities trading company specializing in import, export, and bulk supply execution. - Supplies essential food commodities and select consumer goods to major platforms, trading companies, and institutional buyers. - Actively serves e-commerce platforms, hotels, food service companies, and B2B clients across the UAE and multiple international markets. - Business model is built on high-volume, recurring supply contracts structured under formal legal agreements. - Maintains ongoing relationships with 15–20 active B2B clients and multiple large-volume buyers. - Operations span Dubai and other key regions, supported by professional compliance, transparent financial practices, and contract-based trading. - Product portfolio includes soya beans, millet, olive oil, onions, dried fruits, nuts, and textiles. - Employs a team of 12 to manage trading, logistics coordination, and client execution. - Monthly revenue is driven by order volumes and signed contracts, rather than the size of the workforce.

The business operates in a niche market, focusing on supplying ID cards, ties, and belts to schools in Rajasthan, particularly in the Barmer locality. - The business currently serves approximately 100 schools, including Mayur Nobles Academy, Daisy Days International School, and TPS English Academy. - The average order size is around 500 student ID cards, with the potential for larger orders of up to 2,000 cards based on school size. - The business has a direct distribution model and collaborates with 5-6 distributors to reach its customer base. - The company has all the necessary licenses including the Shop Act license to operate. - We currently require 2 employees for the office and 3 employees for the godown in order to facilitate smooth functioning.

Business that supplies more than 12 Panamax/month (50,000 to 80,000 deadweight tons) for power plants in Malaysia, with profit minimum 15% per transaction for first contract and it can be expanded until 44 Panamax/month, - Secured long-term contract for 6 more years for the supply of 10 million tons of steam coal per annum, ensuring revenue stability. - Strategic operations based in Central Jakarta, tapping into Southeast Asia's growing energy sector. - Focused exclusively on steam coal trading tailored for power plants in Malaysia, targeting a robust market demand. - Experienced workforce comprising 15 dedicated employees, facilitating streamlined operations and customer relations. - Positioned to capitalize on the increasing energy needs in the region, reinforcing long-term growth prospects.