FinTech Businesses for Sale in India

- The company currently has 4 employees and operates an innovative agent-based distribution platform facilitating the marketing and sale of various financial products. - The platform connects sales agents with financial institutions and focuses on products such as credit cards, loans, and other financial products. - The business model involves earning revenue from each successful sale made by an agent, with the company retaining 20-30% of the commission received from financial institutions and disbursing the remainder to the agent. - The platform provides training and informational materials to agents to support them in their sales efforts and currently has 60 incentive-based agents using the app. - The company has established partnerships with 30 financial institutions and holds all the necessary licenses to operate in the sector. - Additionally, the business has a partnership with a stockbroker and is poised to expand its offerings to include client sales through this sale. - The company is also preparing for its launch on the Google Play Store within the next two weeks. Currently, users need to download and install an APK version of the app to use it. - The app has generated sales between INR 2 - INR 3 Lakh in just the one month that it commenced and operated last year. - Sales are to become the focus of the business and are set to help growth by about 5x.

- Developed SaaS-based application tailored for a fully automated lending journey targeting individuals and MSMEs seeking loans from NBFCs. - Created a fintech omnichannel software platform specifically for personal and MSME lending. - Facilitating end-to-end automated lending processes, with a remarkable turnaround time (TAT) of 14 minutes for personal loans. - Catered to MSME loans alongside personal loans, covering both secured and unsecured categories. - Implemented direct selling agents (DSA) system and loan origination system (LOS) within the platform. - Integrated 32 APIs for seamless partner collaboration and system interoperability. - Generated revenue primarily through processing fees, acting as an aggregator for lending activities. - Accumulated 20 years of experience in the fintech and banking sectors, ensuring robust industry knowledge and expertise. - Emphasized familiarity with unsecured and MSME loans, highlighting the significant potential in the MSME lending sector, especially with the introduction of OCEN by the Government of India. - Conducted pilots on the MSME segment, while the personal loan platform operates in stealth mode. - Proposing a comprehensive technology stack transfer, including front-end mobile and web interfaces, SAAS LOS, DSA automation, call center, WhatsApp integration, and third-party API support. - Committed to providing necessary technological support until the buyer becomes fully equipped. - Total investment exceeding INR 1 crore rupees and nearly 2 years spent on development, demonstrating significant commitment and investment in the platform. - Willing to transfer ownership at a reasonable cost to prevent shelving the platform, considering the bullish business model and positive growth trajectory of the lending sector in India. - We were operational last year, but have shut down operations this year due to working capital issues.

- Our key product is a retail platform with an Aadhaar-enabled payment system, that features bill payments, domestic money transfer, IRCTC train tickets, air & bus tickets, insurance, bank account opening, and PAN card services. - The platform is already running with a transaction volume of INR 20 crores per month. - We are charging our clients based on a subscription and transaction basis, depending on the core services that are being used on our application. - We are using a digital marketing strategy for client acquisition and currently have a network of more than 15,000 retailers and distributors. - Experience of 15 years for the promoter. - GST, APA agreement, and IRCTC agreements in place. - The brand has been operating under the parent company's name. Later, the promoter transferred it to a new entity. The parent company is not part of the transaction.

- Fintech startup company based in Mumbai, Maharashtra where investors can invest in small startups starting from INR 10,000. - We have an app for our business which is the country's first mobile app for startup investment. - 25+ companies have raised funds from our platform. - Having a community of 22,000 investors among them 17,000 are verified one. - From investors we charge 2% upfront and from the business companies we charge a upfront of INR 12,500 - 40,000 and a success fee of 2% on the transaction amount. - Business is bootstrapped with INR >10 lakhs revenue in just 12 operating months. - The 2 permanent employees are the 2 directors of the company who handle the technology and finance part. - Currently business is at loss as it has just started and is in its initial phase.

- Company has a payment platform with a demo product. - We will set-up the business and offer complete assistance to the buyer. - Our technology is built with PHP and MySQL DB with the capacity to manage a large transaction flow via dynamic routing through a load balancer. - Revenue can be generated via payment commissions. - PCI DSS certification: We will perform the first-year PCI DSS level 1 certification and get the PCI certificate issued to you within 60 - 90 days. Usually, the cost of PCI DSS is about INR 5 lakhs. This is a mandatory requirement for payment aggregator businesses. Add-ons with their prices (These are not included in the selling price of INR 55 lakh) - Introduction with an Indian acquirer to facilitate acquiring services to process credit cards, debit cards, net banking & e-wallet payments for your merchants. - Introduction for Escrow account provider for merchant settlements via API. - Introduction for creating a UPI handle to collect the UPI payments with your own UPI handle. Price. - Introduction for a virtual bank account system to collect the payment via IMPS or NEFT for your merchants at no cost. - Introduction to a law firm to prepare the merchant processing agreement, NDA, reseller agreement, CDD policy, and AML policy, among others. - Introduction to a law firm to apply for a license with RBI. We would help connect a law firm experienced in such projects. - Monthly patch update service, human resource service and technical resource service. - Payout module with compatibility of the above module. - QR module with compatibility of the above module. - SAR for data localization & storage of payment system data. - Additional monthly support as per requirements. Our company has implemented and licensed over 25 payment gateways so far and completed many PCI DSS certifications with various QSA's across the country.

- We are a company that has developed India's first platform to help loan-seeking borrowers like self-employed and salaried young professionals to consult their nearby bank-certified loan agents who can process their loans that range from INR 1 Lakh to INR 100 Crore. - We have two separate Android applications for the borrowers and loan agents and have reached 1 lakh downloads and 4,000 downloads respectively. - We also have verified tie-ups with 500 loan agents pan India. - The borrowers can use our services free of cost and can also avail of a paid option to get in touch with a loan agent on an immediate basis for a sum of INR 50. - Borrowers are supposed to do their own KYC on the mobile application. - We regulate the interaction between the borrowers and loan agents according to their location and serve as a lead generation platform for loan agents. We do not partake in any lending activities. - The type of loan, be it secured or unsecured, depends on the loan agent and borrower. - Every loan agent has to pay INR 500 to sign up. Agents get access to leads in a CRM where they can easily organise all their leads. We provide them more leads at INR 20 to INR 30 per lead. - There has been a decrease in sales as the parent company does not wish to promote the platform. The parent company wants to concentrate on other developments and does not wish to dedicate more resources to this platform. - No dedicated team works on this platform. Hence, there are no employees. Employees of the parent company developed the platform and occasionally maintain it also. - We operate under the aegis of our parent company.

- Our software is ready to be updated on any domain via AWS Cloud. - We will perform PCI DSS Level 1 certification after the handover. - You can onboard the merchant under your brand name and offer them your API endpoint to integrate directly with your server. - Using this software, you can offer various services such as Fast checkout and invoicing system. - We are open to discussing any customization based on the requirements. - Our Software can integrate with other financial institutions, such as PSP and acquirers, via the s2s method and can offer integration to the merchant via the s2s method. - Our software can be integrated with any outgoing payout system to handle the payouts. - We can also discuss the future warrantee of the software based on requirements. - Our team is experienced in handling such projects for many other companies, and you can benefit from our expertise at no cost. Please Note: A. We are a software company selling the software license, which does not include the acquiring facility that allows you to accept the payment methods. You need to check with the Bank/acquirer for the same. B. We do not offer permission from the related regulatory body. Consult with your lawyer for the exact regulatory requirements of this business in your country. You may require legal obligations before launching the payment gateway business. C. The company does not control the fund flow between you and your bank/acquirer. We only act as a software vendor. D. To use this software, You must have experience in the merchant service/payment gateway business. E. The company reserves the right to accept or reject the offer anytime before signing MOU.

- Gurgaon based 7-year old company with multi tenant payment solution. - We have developed a cloud SAAS payment solution for SMEs to accept online payment. - SMEs use our product to send invoices (E-Invoicing) to their clients and accept payments using one of the preferred payment gateway. - Our product is integrated with HDFC Bank, AMEX, PayU, CCAvenue, FSS payment gateway providers and payment gateway aggregators. - Total transactions worth INR 160 crore has taken place on our platform till date. - Option to bill annual subscription fee from clients OR transaction commission (configurable per merchant) - Trademarks in 2 classes. Assigned in 1 Class. Short & brand-able name. - Top ten FinTech startup award by Silicon India. - Buyer would get the complete business along with the brand, website, Google AdWords account, trademarks, clients, source code, product name/domain, software product, hosting servers, and e-mails.

- E-invoicing and VAT accounting solution provider in the Kingdom of Saudi Arabia (KSA) and the United Kingdom (UK). Our solution is listed on the government portals of both countries as a recognized software solution. - We currently do on an average a USD 18,000 in monthly recurring revenue. - Our last financial year's revenue was about USD 2,20,000. - We have over 1,500+ subscribed businesses using our solution. - 80% of our clients are from middle east & the rest are spread across US, UK, AU, NZ, India etc. ,. - Our ARPU (Average revenue per user) is USD 150 per year now which is slated to increase to USD 170 per year in the next 12 months. - We are growing rapidly in the Saudi market as the new e-invoicing regulation has gone live in Dec 2021. - UK has made it mandatory to use a recognized VAT accounting software from April 2022 as a part of its making-tax-digital law. Due to this, we now have subscriptions from the UK as well. - We are super high on automation and documentation. - We have acquired all the clients organically with nearly zero spent on any kind of promotion. - We are a highly scalable business with an opportunity to scale not only the current business but also expand our services in the future to invoice financing, cross-selling, current account, and other compliance reporting services. - The company has three shareholders, where the co-founders hold a 85.71% stake each, and the remainder 14.29% is held by an angel investor.