Lower Middle Market Consumer Lending Businesses for Sale

- 30-year-old NBFC. - The company is into lending money to individuals. - During the start of the company, the owner liquidated all the assets to fund the company. - The company has 13 clients with active loans. - We have given a loan of INR 2.7 cr to the clients. - Upon sale, all the loan amount will be transferred to the new buyer and the transfer of the RBI license would take 15-30 days of time. - Easily transferrable in 1 month's time. - Easily accept global funding. - Already through with all the formalities of RBI to convert it into a public company. - No litigations, no NPAs. - Cleanest possible profile available for takeover in the market.

- Microfinance business that lends to small businesses, and gives personal loans. - Started during the pandemic with 300 customers. - Now we get almost 50 customers every month with the help of freelance agents. - We charge an annual interest that ranges between 20-33% - The term of the loans is mostly 6 months. - Default rate of 3-5%, and these are mostly delays. All lendee repay their loans at the end of the day. - Complete client verification and membership with 2 of the country's biggest credit registries. - The company has full access to the borrower's repository of credit information and services. - There are 5 owners in the company with a varied split of ownership. 2 of the owners passed away in the pandemic. - There are no loans in the name of the legal entity. - Buyer gets the legal entity, licenses, and client list. - We started with our own capital and do not collect deposits. Now loans are disbursed for the company's corpus. - The total sales have dipped a bit as we have reduced the ticket sizes of the loans for the past few months.