Finance Businesses for Sale and Investment Opportunities

- Nidhi company operating in Obra. - We offer savings and loan products. - Have 900+ depositors who have savings accounts with us. - We currently sign up 30 new accounts every month. - Offer 6% interest for saving accounts and 9 - 12.5% for recurring deposit and fixed deposit accounts. - We have over INR 1 crore of deposits in our accounts which is undeployed. - We primarily offer secured loans of small ticket sizes at an annual interest rate of 15.95% to individuals. - Offer loans up to 3 times of the deposit amount to businesses at an annual interest rate of 16.6% - Offer short-term working capital loans at an interest rate of 20% - The current loan book is valued at INR 1.63 crores and consists of more than 830 loans. - The loan recovery rate is 80 to 85% and has been impacted by the pandemic. - We have more than 30 freelance sales executives who sell our financial products and are compensated with commissions. - We also have several clients in the Sonbhadra district of Uttar Pradesh. - The business is debt free and is run by a promoter with 10+ years of lending experience.

- Seychelles based business which is not yet operational. - Soon we will have a hedge fund sister company in Gibraltar, a fund management sister company in Switzerland and 8 offices worldwide. - We will open branch offices across New York, London, Luxembourg, Switzerland, UAE, India, Singapore, Hong Kong to approach investors and collect money from them. - We will invest the money collected from the investors in the US stock market to give them good returns. - Promoter has more than 20 years of experience in US stock market. - Have all the required documents and licenses to start the operations. - Business is registered in Seychelles but the promoter is in Croatia now as he has another business there.

- An inactive company listed on NSE. - 28 years old company with its registered office in Kolkata and business operations based out of Jharkhand. - Firm was an industrial goods business and has been inactive for 3 years. The new buyer can use the company to enter any line of business or get their existing business listed. - Company has authorized capital of INR 11 crore and paid-up capital of INR 10 crore. Company net worth is INR 34 crore, including the listed capital at the exchange, trademarks, and goodwill. - More than 90% of promoter holding would be available. - It would cost more than INR 5 crore to register a new business on the stock exchange and is also a time-consuming process.

- Company has recently collaborated with professionals from the housing finance industry who are currently managing the firm. The company believes in its highly experienced team with specialized knowledge in affordable housing segment to achieve the business target (total lending) of around INR 750 crore in the next 5 years. - Company operates on a blended business model with a focus on traditional business model along with asset light co-lending model. Currently, we have an on-going co-lending arrangement with another housing finance company to provide affordable housing loans to customers. To any new customer, we provide 20% of loan and our co-lending partner provides 80% of loan. - Sources of funds: Company has 2 sources of funds i. e. equity (INR 10 crore) and loan from a commercial bank (INR 1.5 crore @11% annual interest). Recently, the company has secured refinance of INR 3.2 crore @7% annual interest from the regulator (NHB) under various schemes which validate the company’s processes, policies, and system. Owing to the overall improvement across all matrices, the company was able to re-affirm credit rating from CARE for the current financial year. - Typically, we provide loans for 15-20 years and at 14-16% annual interest rate to our customers. As of the last financial year, the company has a loan book of INR 15 crore. - Our business philosophy is based on providing affordable housing loans primarily to first time home buyers and for self-use purposes. The average ticket size of the company's portfolio is about INR 8 lakh while the LTV is around 65% which confirms adherence to the exemplary risk management system. Company has been able to maintain 65% of LTV over the years. - Revenue stream: Company has 3 revenue streams i. e. interest income, processing fees and commission on insurance. We have tie-ups with 2 insurance companies. Company has a NPA of 1.87%. - With the on-going moratorium, our revenue hasn't been impacted but our collection period has increased. Last year, our collection was 100% but this year it's approx 70%.

- Company has developed a platform to trade securities using cryptocurrencies. The platform is currently in simulator version and will be launched post obtaining MiFID II license which is currently in process. - The platform will allow users to convert their stocks, ETFs and commodities in the form of a token and then use those tokens to spend / make payments. Users will have to transfer the token into their online wallet or our credit card (we plan to launch our own credit card) to make any payment. - Have connected with 30 securities exchanges including NYSE and HKEX to create our platform and users can trade & covert over 40,000 listed securities into tokens. - Company is a sister concern under a holding company. The holding company also has another company with 200K customers and we plan to on-board those customer in this company too. - Revenue model: we will generate revenue through commission and stock spread. - Company is registered in Estonia and we also have office in Canada. About 75% of our employees are currently at Canada office. We are in the process to move 90% of our workforce to Estonian office. - I'm currently based in Spain and will be available on the Spanish mobile number provided on the profile.

- We are an NBFC company & have applied to RBI for change in status from NBFC to NBFC MFI. - The company was incorporated in Allahabad but after it was acquired by the current CEO, the headquarters was shifted to Gurgaon. - We are a microfinance company providing loans to women for income generating activity only. The business does not accept any deposits from their members. - We have disbursed up to 6,000 loans till date which amounts to nearly INR 12 crore. The business has over 2,100 registered members on the platform as of now. - Our average ticket size is between INR 15,000- 40,000 per customer. - We charge 26% of fixed interest on the loan which includes 1% processing fees. - Our EMI collection is conducted on a weekly basis. - We do KYC as per RBI norms and follow a JLG (Joint Liability Group) model while disbursing loans. The group size can range from 5 - 20 members. If one member defaults on the loan repayment, the entire group needs to bear its liability. Besides that, we conduct a comprehensive background check which includes an inspection of the bank records, Aadhaar card, and PAN card. We also conduct a physical verification check of the member's house, check their cash flow and annual income statement and consult the member's neighbours about their financial stability. The business also conducts a credit check on their members through Equifax and Highmark and are planning to tie up with another Fintech company for credit evaluation. Owing to our comprehensive due diligence, the default rate on loans are very minimal at around 0.5%. - We experienced rapid growth in interest income because we disbursed large amounts of loan funds in the second quarter of this year. - The CEO of the company is a Chartered Accountant with 10 years of experience in the finance sector. The COO has over 18 years of experience in the microfinance sector.

The company was founded in 2003 and has since evolved dynamically, offering a wide range of services to our customers, some of which include business consultancy lobbying alongside, funds acquisition from European agencies, investment consultancy, architectural and design services, and lobbying alongside other European institutions, agencies or other international organizations. We are a strong global platform that provides financial and corporate communications services. We are visible globally with head offices in over 7 countries. We have also tied up with a variety of European institutions through the company’s representatives. The business has been affiliated and accredited by a number of institutions some of which include the World Bank Group, Interreg Europe, Parlamentum Europaeum, European Cluster Collaboration Platform, and ENBIS. We are also partnered with the Romanian government. Our goal is to solve economic disparities by brokering investments and reducing time taken for funds acquisition. Run-rate sales have dropped due to the ongoing pandemic. The business has undertaken around 281 successful projects, have over 445 satisfied customers and have received over 67 certificates and medals.

- Investment management company that specializes in capital investment, equity, debt instruments, bank instruments. We have created a holding company in UAE in order to invest in different companies across the globe. - Have identified 5-6 companies based in India, Africa and Middle East which are into various fields. Each of those companies have government & private projects and we will acquire shares of those companies and provide finance through our holding company. In addition, we will also source additional funds from banks depending upon project requirement at each company. - Our company's role is to acquire shares in the identified target companies, help them with finance in order to execute existing projects and also help in finding new government and private projects. - We already own shares in a Kenyan company and have also signed an agreement with a UAE based company to acquire their shares. We are also in the process to acquire shares in an Indian and a Ghana based company. - Have tie-ups with representatives / associates in 7 countries who help us in finding potential companies to acquire. - Director of the company has 18 years of experience in international trade and 3 years of experience in investment management industry.

- We are a wealth and portfolio management company that was recently started to cater to high net worth individuals. - Trade in both the equity market and the derivatives market. - We are skilled in trading futures contracts on both long & short position in gold, crude, natural gas, Nifty, Bank Nifty and international FX. - Our trading strategy is based on our clients' requirements and we can provide high frequency trading, algorithm trading and other fund strategies. - At present we have more than 10 active clients and have more than INR 1 Crore under our management (AUM). - On a monthly basis we provide a return of 3 to 5% and we keep any gain above that as our revenue. - Promoter has 14 years of experience and has worked as a technical analyst and trading strategist with different corporates. - He has handled trading desk of INR 50 crores and is an expert in low latency trading strategy design with high alpha.

- A public SPAC (Special Purpose Acquisition Company). - The business specializes in merging/acquiring technology, engineering & manufacturing companies globally. - Usually acquiring businesses with revenue in the $1 million to $5 million range. - Company has completed the acquisition/merger of close to 40 companies globally till date. - Our management oversee the operations of these companies and grow the company in order to take it public. - The business has completed the first 2 acquisitions and 9 more to acquire as part of a roll up strategy. - Company is seeking bridge financing to cover the period until the next financing round. - Company is willing to give 50% discounted free trading shares in the company which can be sold on stock market immediately.

- We are a registered money service business in Canada that offers money transfer services to individual customers. - We are registered with FINTRAC in Canada to offer our services. - Business was started just 4 months ago. - We help people to transfer money to other individuals in different countries. - Have more than 150 clients who use our services to transfer money and our clients are mainly African descendants. - We anticipate covering more clients and regions soon. - We generate revenue by charging a commission on the money transfer. - Business we plan to buy is doing CAD 7 mill annually with 30% EBITDA and has physical assets valued at CAD 5 mill. - This is a very lucrative multi-stream business with different revenue models and has steady cash flow so we would like to acquire this business. - That business makes CAD 700K per year on Air B&B bookings alone and has 38 rooms. - Major clients of the business are the government entities. - We would put our own money to acquire the business depending on how much fund we receive from the investors.

1. Most of the payment gateways in India are working on an aggregator model where they are connected to banks gateway as a master merchant managing its sub-merchants. So they are dependent on bank for the merchant onboarding, giving access to international payment to its merchant or resolution of chargeback. The model we wish to work with is BIN (Bank Identification Number provided by card schemes like Visa, Mastercard, etc. ) sponsorship in which we will have full control over the whole payment cycle because we will have our own payment switch, payment gateway software, merchant plugin thereby eliminating other stakeholders in the payment cycle which will enable us to reduce MDR by at least 20-30 basis point for a domestic transaction and a 30% MDR reduction in international transactions. Further to add we will have direct connectivity to Visa and Mastercard for better handling of chargeback resolution by our self rather than depending on the bank. 2. We've received start-up recognition from the startup Odisha dept. run under the MSME department of Govt of Odisha. (Please find attached startup recognition certificate) 3. Our project has been recommended by STPI Bhubaneswar. 4. Our team consists of IIT MBA alumni, Ex-COO of a renowned company along with serial entrepreneur as CEO. 5. Our project has been selected for the second round for the FInBlue program run under STPI Chennai in Association with TiE Chennai. Soon we will receive feedback for the final round. 6. We have our web application ready for merchants. Credentials can be shared once we have a meeting. 7. We have applied for a trademark. 8. We have our office space in one of the premier IT hub of Odisha run under IT dept. of Govt. of Odisha. 9. One of the largest banks has considered our company profile and financials and are in talks with us. (confidential documents can be shared in a face to face meeting) 10. One major bank also agreed for domestic aggregation of PG and POS and in six months or so we may finalize to acquire their BIN as well. 11. PCIDSS certification is being done by TOP QSA (Qualified Security Assessor) like Panacea InfoSec who has already certified PayU, Oxygen wallet, etc. (PFA PCIDSS engagement Letter) In addition to above a lot of things like POS device purchase agreement, ONE tap e-comm website market place is going on. 12. We are also initiating talk with banks based out of Singapore and Dubai for international merchant acquiring as well through our associates. 13. Business was registered with an office address in Cuttack, but our operations are based out of Bhubaneswar.

- We are a digital marketing company that was started in the beginning of the year. - Already have 4 large clients who have multiple branches across India. - We provide various digital marketing services such as social media marketing, SEO and website development. - Company has an annual contract with these clients to provide the services when required. - Our plan is to start another entity to provide micro loans services and have already started the registration process. - Within the next 15 days we expect to get the Nidhi permission to begin provision of loans. - Initially we would continue to use our current office space to provide these loans. - Promoter has 2 years of experience in digital marketing and 5 years of experience in financial services. - Company's physical assets include laptop, furniture and other office equipment.

- Online payment platform based in Fenton, MI that has been operating for 10 years. - We have partnered a well-identified payment processing company for the Michigan region and we are known as one of the leading credit card payment processors. - Have experience and expertise to meet the needs of businesses across all industry verticals and the payment processing is done through POS devices, online virtual terminals and mobile devices. - We have more than 600 businesses processing payments through us. - We receive a monthly residual income that can be discussed later. Residual income is nothing but the commission we receive from our clients. - Business has no debt.

- There are 2 directors who incorporated the company for the purpose of developing IT software and applications. - The company has been non-operational since inception. - All statutory regulations are in order such as MEA and tax returns. - Buyer can operate the company from any location. - Sale would include the legal entity.