Consumer Lending Businesses for Sale and Investment

Company that stands out as Hong Kong's first licensed financial institution with on-site metaphysicists, blending high-ratio property mortgages with Zi Wei Dou Shu, Feng Shui, and I Ching services for holistic financial solutions. Business highlights: - Unique positioning: Pioneer in integrating traditional mortgages/fintech with metaphysics (loan timing predictions, karmic debt resolution via divination), targeting property owners for "clearing money debts and karmic debts. " - Regulatory status: Licensed money lender (with P2P License No. ), emphasizing legal compliance and property-secured loans up to high LTV ratios. - Revenue model: Earns from interest on large-sum, low-rate mortgages (H+1.3%), refinancing, second mortgages, and our own issued bonds (8% yield investments funding lending operations). Leadership experience: - Promoter brings over 20 years in finance from major international banks and Allianz Security, specializing in mortgage risk management, compliance, and now fusing it with expertise in Feng Shui, Zi Wei Dou Shu, and Wen Wang Gua for client consultations. Client base and relationships: Serves HK property owners (private, HOS, village houses), mainland China residents with HK assets, SMEs for turnover loans, and bond investors; builds trust via free valuations, WhatsApp/hotline access, and partnerships implied through professional networks like LinkedIn/Facebook for referrals.

Company that stands out as Hong Kong's first licensed financial institution with on-site metaphysicists, blending high-ratio property mortgages with Zi Wei Dou Shu, Feng Shui, and I Ching services for holistic financial solutions. Business highlights: - Unique positioning: Pioneer in integrating traditional mortgages/fintech with metaphysics (loan timing predictions, karmic debt resolution via divination), targeting property owners for "clearing money debts and karmic debts. " - Regulatory status: Licensed money lender (with P2P License No. ), emphasizing legal compliance and property-secured loans up to high LTV ratios. - Revenue model: Earns from interest on large-sum, low-rate mortgages (H+1.3%), refinancing, second mortgages, and our own issued bonds (8% yield investments funding lending operations). Leadership experience: - Promoter brings over 20 years in finance from major international banks and Allianz Security, specializing in mortgage risk management, compliance, and now fusing it with expertise in Feng Shui, Zi Wei Dou Shu, and Wen Wang Gua for client consultations. Client base and relationships: Serves HK property owners (private, HOS, village houses), mainland China residents with HK assets, SMEs for turnover loans, and bond investors; builds trust via free valuations, WhatsApp/hotline access, and partnerships implied through professional networks like LinkedIn/Facebook for referrals.

The business is a regulated credit-only microfinance institution in Zimbabwe, licensed by the Reserve Bank of Zimbabwe (RBZ), ensuring compliance and reliability in personal and commercial lending. - It operates 8 branches strategically located across the Harare Province, focusing on providing personal loans specifically for government employees and collateral-backed loans. - The hybrid lending model combines disbursement from its own balance sheet with loans facilitated through partnerships with banks and Development Finance Institutions (DFIs). - The loan offerings include personal loans for government workers with an average ticket size of USD 500, and collateral-based loans averaging USD 1,000, attracting a diverse customer base. - Acceptable collateral includes movable assets like vehicles and electronics, as well as immovable property such as residential homes, enhancing security and loan approval rates. - The company employs a strong multi-channel customer acquisition strategy, utilizing walk-ins, agents, referrals, and social media marketing to reach new clients effectively. - Revenue is generated primarily through interest income, with rates of 12% per month for personal loans and 15% for collateral-based loans, alongside establishment fees applicable to collateral loans. - The current outstanding loan book stands at approximately USD 200,000, with historical loan disbursements exceeding USD 5 million, reflecting steady growth in the lending sector. - The business enjoys a healthy average monthly loan disbursement of about USD 50,000, with a reported 7% non-performing asset (NPA) rate, demonstrating a conservative and responsible lending approach. - The company has shown consistent growth, achieving approximately 20% annual disbursement growth since 2020, despite recent challenges related to delayed government remittances. - The decrease in run-rate sales is due to delayed repayment remittances from the Government. As a result, the business relied on short-term borrowings for on-lending, which offered lower margins compared to lending from its own balance sheet. Consequently, the shareholders decided to reduce loan disbursements.

Financial company that provides small-ticket loans to individuals lacking access to formal banking. - Offers a range of services including secured and unsecured loans, consumer and auto loans, investment plans, and basic health insurance. - Customers include pensioners, salaried professionals, small business owners, and self-employed individuals. - Issues 2–3 loans weekly, with interest rates between 18% and 22%. - Operates under RBI approval as loans are disbursed through partnered banks. - Collaborates with institutions like UIDAI, CIBIL, and NPCI to enable secure and seamless services.