Finance Businesses for Sale and Investment Opportunities in West Bengal

What we are: A multi-national currency cross-border payment system and neo-bank with no physical branches, offering real-time global settlement in multiple currencies. It serves as a UPI aggregator and collaborates with major banks, payment partners, and card brands. They use a secured token offering and provide multiple banking apps for seamless payments. A multi-national currency cross-border payment system enables real-time currency exchange and settlement for individuals and businesses across different countries. It offers instant currency conversion, and compliance with international regulations, and empowers users in global finance and trade. Business is yet to kick-start operations. Not required to be registered under SEBI. Revenue model for our multi-national currency cross-border payments system: 1. Transaction fees: Charge a small percentage or a flat fee on each transaction conducted through the platform. 2. Merchant services: Earn fees from businesses for payment processing, POS systems, and e-commerce integrations. 3. Subscription plans: Offer premium or subscription-based plans for individual users and businesses, providing added features for a fee. 4. Interchange fees: Earn a portion of the interchange fees paid by merchants' banks for processing card transactions. 5. Currency conversion fees: Charge fees or markups on foreign exchange rates for international transactions and currency conversion. 6. Lending and credit services: Offer lending and credit products, earning interest and fees. 7. Investment and wealth management: Provide investment and wealth management services, earning fees based on assets under management and transaction fees. 8. Data monetization: Analyze transaction data and user behaviour, monetizing data by selling aggregated and anonymized information to third parties. 9. Partnerships and affiliates: Earn referral fees or commissions through partnerships with other businesses. 10. API access fees: Offer APIs for integration and charge usage-based fees or licensing fees. 11. Cross-selling financial products: Cross-sell other financial products like insurance or prepaid cards, earning commissions or fees. 12. Ad revenue: Display advertisements within the platform and earn revenue from advertisers. Neo-bank. A neobank, or digital bank, is a fintech company that operates solely online or through mobile apps, lacking physical branches. Neobanks focus on enhancing customer experiences by leveraging technology to streamline operations, lower costs, and offer a wide range of financial services. They often target specific niches or customer segments and can collaborate with traditional financial institutions. Key characteristics include: - Online-only operation. - Technological emphasis on convenience and efficiency. - Services like savings accounts, payment processing, lending, and budgeting tools. - Accessibility, user-friendly interfaces. Revenue model for our neo-bank: 1. Net interest margin (NIM): Generate revenue by lending deposits held in customer accounts, earning interest on loans. 2. Lending services: Offer personal loans, consumer credit, or small business loans and earn revenue from interest rates and associated fees. 3. Deposit fees: Charge fees for specific services like overdraft protection, wire transfers, or expedited card replacement. 4. Subscription plans: Provide premium or subscription-based plans with added features for a fee. 5. Card issuance and usage fees: Earn fees from card issuance, usage fees, and foreign exchange fees. 6. Merchant services: Offer payment processing and POS solutions to businesses and charge fees. 7. Investment services: Offer investment products and earn revenue through trading commissions and asset management fees. 8. Currency conversion fees: Charge fees or apply a markup on foreign exchange rates. 9. Partner commissions: Earn commissions for facilitating partnerships with fintech companies. 10. Cross-selling financial products: Promote and sell other financial products and earn commissions or referral fees. 11. Data monetization: Analyze customer transaction data and provide insights to businesses, generating revenue. 12. Affiliate marketing: Participate in affiliate marketing programs and earn commissions for referrals. 13. Interchange fees: Earn a portion of the interchange fees paid by merchants for processing card transactions. 14. ATM access fees: Charge fees for ATM cash withdrawals at out-of-network ATMs.

- India’s number one gold-buying company with an ISO certification, established six years ago. - We offer instant cash against gold and we release pledged or mortgaged gold at online gold rate. - We were awarded in Forbes India & National Achiever Award. - We have 50+ branches pan-India. - Our average walk-ins per branch is about 15-20 and our conversion rate is more than 90%. - The minimum value of gold buying per customer is about 5 grams. - We are national partners and aggregators to ICICI Bank and Rupeek for gold loans (pan-India). - We have the best customer reviews on our services. - We have been declared the most promising and growing brand in the gold-buying business by Sasha Media Solutions.

Pickbids is an online platform that will enable customers and local merchants to find the best deals, offers, and coupons. Currently, the platform is in the beta phase and we are expecting to launch in a month. We have currently tied-up with 300+ business and are in advanced discussions with over 500 brands. Revenue model: Monthly and yearly subscription plans for users. We are looking for franchise partners across major cities in India to expand vendor tie-ups. Franchise partners are expected to have an existing network and marketing expertise. They will establish tie-ups with business vendors and onboard the business on to our platform. Franchise partners will have a target (number of tie-ups) to achieve and they will get paid based on the sales commission we receive from the tied-up vendors. Franchise partner will receive 70% of the commission and we will keep 30%. We also charge a one-time brand fee of INR 3 lakh.

Overview- FA Premium Broking Ltd is a 100% subsidiary of FA group. Franchise Operation started in the year of 2010 at Salem – Tamil Nadu. Main Objective of this model is to provide Qualitative and timely Insurance Solutions and Services according to the customer Needs. Currently FA premium operates with 9 Franchise outlets, with plan to expand to 50 + franchise outlets across India in 2018. FA premium has wide coverage in terms of products and Insurance tie ups. FA Premium designed in such a way that investors breaks even in 4 months and it is a unique profitable portfolio.

- We are an award-winning AI-powered Insurtech platform that covers end-to-end business life-cycle from purchase to policy renewal with built-in claims, operational support, sales & marketing automation. - Our innovative distribution platform is disrupting the insurance sector by enabling ‘cash only customers’ to transact digitally. - The business replaces traditional ‘push’ models in insurance with a new class of ‘pull’ customers. API integration with 35+ insurance companies has been done for instant policy purchase. - We empower POS agents & kirana shops to act as insurance super malls using the platform. We are also a pioneer of QR code-based insurance distribution in India. - We have one of the lowest customer acquisition costs in the Indian insurance sector. We are one of the leaders in India’s B2B2C retail insurance distribution.

This is a proposal for the (Right to Use License) of our Business - Trade Scape. Trade Scape is a stock market education platform wherein we conduct workshops/classes for beginners on trading & investing in the markets. Thus we have got the entire Infrastructure built behind the business such as – 1. A professional fully functional website (with workshop bookings system and payment gateway built-in) 2. A 360 slides long course material (in PowerPoint format) that has been copyrighted under the Indian Copyrights Act, 1957 covering every topic from beginner level stuff to advanced strategies. 3. Marketing materials such as banners & flyers templates (for physical marketing distribution), digital creative ads – images and videos (for social media ad campaigns) In short, it’s a complete plug and plays setup for someone interested to run a business in the tock market/ forex market education domain. What’s included is an (as it is) website as that of Trade Scape, the license to use our course material commercially, access to our marketing and promotional contents, and complete business platform set up as well all customizations, changes, and modifications for your new business done on our end. Basically, the whole Infrastructure except the copyrights of the course and the domain name. The licensee just needs to have their own brand name and a domain of the same and they are good to go. The licensee can name the business any name they wish to and they are good to go just like if it’s their own new venture. The website requires no coding to operate as its made on the Wix platform and thus can be edited & managed by anyone with no coding experience in a simple drag & drop interface provided by Wix. Since this is an online business the EBITDA margin is as high as 70% as the overhead cost is low. The sales figure is based on the revenue generated by the outlets. Trade Scape no longer conducts live workshops due to other commitments but had 20-25 students attending every workshop when they conducted. This proposal is for anyone looking to start a similar venture who can simply partner with us & take advantage of a readymade business infrastructure of using our website & course material instead of building everything from scratch. And the best part is that it's not exactly a franchise in real terms as the licensee shall run the business under their very own brand name which will be just as a brand new business built by them.