Finance Businesses for Sale and Investment

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.

The company is emerging as a prominent insurance provider channel. Our mission is to educate insurance buyers, earn their trust, and offer exceptional services. We simplify the complex world of insurance by assisting customers in purchasing directly from insurers. Our services are free for customers; we earn commissions through partnerships with leading insurance companies. Since our launch in April, we have partnered with over 10 insurance companies, listing their products on our website to meet diverse customer needs. Currently, we are on track with an annual revenue run rate of INR 60 lakh. - Revenue model: Gross margin: currently 40%, with potential to reach up to 50%. Net margin: currently 12-15%, with potential to reach up to 20%. Break-even point:  we anticipate achieving operational break-even within 6-9 months. Investment Required: USD 357,499.28 (INR 3 crore) to enhance marketing strategies and expand the operations team (sales and business) in Gurgaon. Our goal is to achieve INR 12 crore in annual revenue with a 22% EBITDA within 18 months of securing investment. - Founding team: * Promoter (1): brings over 6 years of experience in the insurance industry (formerly with Policy Bazaar and IND Money). With a Bachelor of Technology, is instrumental in building relationships with insurance companies and shaping our long-term strategies. * Promoter (2) (founder & CTO):  has a Bachelor of Technology in Computer Science with over 8 years of IT experience, leads our technical team, ensuring innovative and effective solutions for our website and infrastructure. * Promoter (3) (co-founder & COO):  has a post-graduate in mass communication with 10+ years in insurance (Ex Policy Bazaar employee) and client relations, oversees operational strategies and human resources, guiding our efforts towards long-term success.

1. The firm was established in 2017 to provide small-group loans for women in Sri Lanka. 2. The company is registered under the Lanka Microfinance Participation Association and has more than 5,000 customers. 3. Products & services offered include microloans, business loans, product loans, and staff loans. 4. The company is focused on reviewing and upgrading internal processes and systems to provide improved customer service. 5. The company's services are aimed at helping people in the district to become economically successful. 6. The company currently employs 33 people. 7. The company is headed by an experienced industry professional.

Consulting firm based in Hyderabad specialized in disbursal of loans for companies. - We associate with NBFCs and banks to source business loans through tele calling and digital marketing. - Revenue is generated by charging commissions on each loan disbursed. About 3% - 4% is charged from the total loan amount. - On an average, 10 business loans are disbursed each month. - Majority of our client base are manufacturers and distributors from Hyderabad. The client must be a business owner for at least 3 years to be able to qualify. - We have GST certificate, Udyam, labor license and telecom license. - Having a 2 lakh client data base and good number of repeat customers. - Promoter has 15 years experience and good relationships with bankers. - Received appreciation letters from bankers and are registered with Federation of Telangana chamber of commerce and industry.