Financial Distributors Businesses for Sale and Investment Opportunities

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.

- 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.

- A pre-operational insurance marketing start-up company in the business of selling different insurance products to customers. - Planning to start our operations next month after acquiring the IRDA license. - We are in the merger stage with ICICI Prudential, HDFC Life, TATA AIA, etc. , which will be done after obtaining the license. - Will be starting with term life insurance, health insurance, home insurance and investment insurance. - Our website will be launched shortly and all the insurance companies will be listed on the website with their products. Customers can choose from the options available. - We will be charging ~ 50% commission from insurance companies, and that's how we will generate revenue. - Almost 20k leads have been generated through past contacts, social media and YouTube marketing. Expecting 4 - 5% conversion of these leads. - Projected sales in the first month are INR 50 lakhs with 10% profit margins. - Company has MCA registration, PAN and start-up India certificate. Waiting to receive the IRDA license. - Promoter has 7 years of experience in the insurance industry.

• A young startup, providing insurance claims investigation services for insurance companies and third party administrators. • Our head office is based in Secunderabad, Hyderabad. We have 5 additional branches operating in Andhra Pradesh, Karnataka, Jharkhand and Chattisgarh. Planning to expand to Tamil Nadu and Kerala as well. • The company was registered in 2022. We started onboarding clients 2 months back. • We have designed an online system and mobile app for claims investigation services which is a real time reporting system and we are the first in India to implement it. • Our clients are from Health and Life insurance companies. We have 4 active clients, which include IFFCO Tokio General Insurance, Acko General Insurance, TATA AIA Life Insurance and Mediassist. 2 more clients will join shortly. • We receive our payment on per case basis, which ranges between INR 2,000 to 7,000. We get about 600 cases per week. • Our activities include residence checks, employee verification, hospital verification etc. This does not involve providing insurance and hence, it is not required to be registered under any financial regulator. • We have a total of 140 employees spread across all the locations, among which 8 are full-time (including the directors) and the others are on a contractual basis. • The business is currently operated from the directors' personal funds, hence we are running at a breakeven. • We are booming quickly with more than expected business and will be in demand till the Insurance sector exists.

We are exclusive partners with Etisalat for lead generation and deal closures. We have a substantial retail and corporate portfolio of more than AED 100 million in gross written premiums. We have about 6,000 corporate clients and our commission ranges between 5-40% across all products. We are registered with the Central Bank of the UAE (CBUAE) as well. Although our sales have gone down we have optimized operations and increased our net profit margin in the last 2 financial years.

- The company generated USD 1M last year, 3,150,000 this year, and currently, we are generating USD 400 on a monthly basis. There has been a significant increase in the revenue since there is an increase in the policy users. - We plan to use SGB as a flagship vehicle to roll up other brokers and organically scale our existing business. Our growth strategy is an easy math formula. - We are FMOs who are typically top-level organizations that are licensed to sell health insurance products in most if not all, states. - We work with multiple agents and multiple big-name and small-name carriers all across the U. S. Almost all of an FMO’s contracts are direct with carriers, and FMOs are usually able to offer agents contracts that provide higher than street-level commissions. - We have tied up with 6 agencies who market the products. - Every time we sell a policy we generate a sale of USD 400-500. Also, generate revenue from the re-occurring payment from the user. - Our founders helped grow a prior agency from 8 to 60 agents in just 3 years and exited at USD 40M. - Majority of the revenue is generated by the sale of health insurance. - We have 5 contract-based employees. - The company need not be registered under the financial regulator of the country.

At this stage, from a technical perspective, we are prepared and have tested some marketing strategies, and have a strong team supporting it. Our company is fully equipped for scaling and improving current results. - Researched the legal side of accepting cryptocurrency payments for our group of companies, assessed risks and opportunities, conducted competitor analysis, and developed a business plan. - Developed and tested the platform and web interface for accepting cryptocurrency payments (web POS). - Pushed the system into offline businesses in Dubai, including restaurants, car rentals, private jet charters, beauty salons, and real estate agencies, and created real test cases. - Designed the product and created marketing materials. - Tested advertising in Dubai and received more than 120 requests from business owners to connect new merchants. We opened 125 business accounts and 93 POS terminals for them and 80% made at least 1 transaction. They pay 1.5% for each deposit in crypto and additionally 1% for withdrawals in AED or USD (in fiat). The biggest purchase between merchants is USD 4,900. For now, we have no revenue, but project USD 70-90k/mo in the coming months, and we plan to increase sales, development, and legal departments and pass more marketing tests – a total of up to USD 200k/mo. However, we forecast total transaction of USD 450 million at a 3% EBITDA. The strategy will be based on the planned actions of the team: - Obtaining additional licenses, and building a completely legal product structure; - Replenishment of the staff with the necessary employees. - Improving the functionality of the product; - Strict calculation, reporting, and following the business plan.