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Microfinance Businesses for Sale and Investment Opportunities

Results 1 - 15 of 22 - Microfinance Businesses for Sale and Investment Opportunities. Buy or Invest in a Microfinance Business.

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Microfinance Company for Sale in Manila, Philippines

For Sale: Microcredit and digital lending platform with fully integrated front and back-office operations.
- Digital lending platform with complete in-house client onboarding, verification, and loan disbursement. - Fully digital client onboarding and very efficient fully integrated front and back-office operation run with digital marketing. - About 700 clients have taken loans from us. - We have a margin of 27%-40% on the total loan amount. - Our monthly interest rates are between 2-4% and depends on the nature of the loan. - We use company capital used to disburse loans. - Growth was slow due to Covid but the market is recovering very fast now. - We suffered losses during Covid as some of the debtors were not able to make regular repayments due to the loss of jobs. - We disbursed loans worth USD 500,000 last year. - The company has 7 shareholders: 5 shareholders hold a total of 1%, an employee owns 2%, and the primary Dutch shareholder owns 97% of the company. - The Dutch shareholder is the point of contact for this transaction and they are currently based in The Netherlands. - The business has lost significant money during the startup phase but is now nearing breakeven operations. There is more work to do on the collection side of the business in terms of automating processes and getting staff on the motorbike.
8.1   Manila
Run Rate Sales
USD 480 thousand
EBITDA Margin
25 %
Business for Sale
USD 1.2 Mn
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Microfinance Company Seeking Loan in Nakasongola, Uganda

Company that is involved in dairy farming and short-term lending of operational loans.
- Business is involved in short-term lending, and the production and sale of dairy products. - We have our own farm and produce dairy products like yoghurt, ghee, amazzi (amasi), and meat products. - The company began money lending operations in January 2022, with working capital of UGX 6.5 million (USD 1,800) and so far we have reached a working capital of UGX 10 million (USD 3,000). - Have 89 money lending clients who are involved in the transportation and dairy industry. This includes milk vendors and dairy farmers. - Only 4 clients have defaulted on monthly payments. - We charge a 20% monthly interest rate, and loan durations are between 1 to 3 months. - Lowest loan disbursal is UGX 100K, a client is eligible for a bigger loan of UGX 500K after diligent repayment of the first loan. - We would like to expand operations and serve big-ticket clients who wish to take loans of UGX 5 million for land and vehicle purchase. - We have reinvested all our profits from the lending activity and our lending capital has grown from UGX 6.5 million to UGX 10 million. - Dairy operations form 30-40% of our revenue. - Two owners with each having a 50% stake in the business. - The business is debt-free and has no bank loans.
Company that is involved in dairy farming and short-term lending of operational loans.
7.1   Kampala
Run Rate Sales
USD 15 thousand
EBITDA Margin
10 %
Business Loan
USD 13 K at 10%
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Microfinance Company Seeking Loan in India

Microfinancing business lending to 80,000+ women entrepreneurs in the low-income group across India.
- Microfinancing company promoted by a group of accomplished individuals with nearly 120 years of cumulative experience in running financial services. - Lends to women entrepreneurs in the low-income category. These women are typically equipped with skills to take up sustainable micro-businesses, and access to timely funds is transforming lives. - Have 80,000+ cumulative loan members (all women) with a 99 % on-time repayment rate. (Due to Covid the current collection rate is around 85% + and is expected to reach 99% by the end of the year. ) - Has distributed INR 2,000 million+ (cumulative loans) and current outstanding portfolio of INR 500 million. - Has a model that enables a group of individuals (usually five) to take loans for income-generating activity by forming a group, wherein group members guarantee each other's loans. - Has own ERP system which gives adequate MIS data for - Capital Adequacy Ratio (CAR), Liquidity Risk Management, Interest Rate Coverage, Debt Equity Ratio and Reports relating to day-to-day activities of branches. - Approach post disbursement: Program monitoring and supervision: If required, providing the additional top-up loans. Women entrepreneurs are covered by microinsurance. - Loans ranging from INR 20,000 (USD 300) to INR 60,000 (USD 900) with up to 24 months repayment duration and monthly EMI and 22% rate of interest. - Have a license from RBI for micro-financing.
7.1   India
Run Rate Sales
USD 1.5 million
EBITDA Margin
7 %
Business Loan
USD 600 K at 12%
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Newly Established Microfinance Business for Sale in Kanpur, India

Non-operational microfinance company available for sale in India.
- Non-operational microfinance business. - It is registered with MCA. - Company has a license from RBI. - An alternate way to initiate a microfinance company is getting registration with RBI which require INR 5 crore net worth. - The business was formed to provide loans to unemployed or low-income individuals who had no other source for financial services.
7.7   Kanpur
Run Rate Sales
Nil
EBITDA Margin
Nil
Business for Sale
USD 7.5 K
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Microfinance Company Seeking Loan in Odisha, India

NBFC with 6,800 registered members following JLG model that disbursed INR 10 crore last year.
- NBFC / microfinance company with over 6,800 registered members. Target individuals from lower income class. - We do not accept any public deposits. Only engaged in lending. - Have lent over INR 10 crores in the previous financial year out of which INR 5.6 crores is outstanding payments. - Charge an interest rate of 12.5 percent on average. An average loan size is INR 15,000-20,000. - Follow a JLG model. Each member is a part of a group consisting of 6 members which is a part of a larger house consisting of 20 members. Also follow a SAGE model that is exclusive to female members only. Should a member default on loan repayments, the entire group takes the liability for the same. - Have a field officer that is responsible for verifying all the documentation of the member, undertaking a credit check, and conducting house and neighbourhood inspections before providing a loan. - Primarily rely on word-of-mouth promotion and referral to acquire new members.
NBFC with 6,800 registered members following JLG model that disbursed INR 10 crore last year.
7.0   Odisha
Run Rate Sales
USD 1.8 million
EBITDA Margin
7 %
Business Loan
USD 600 K at 7%
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Microfinance Company Seeking Loan in Hyderabad, India

Digital marketing company that plans to start providing micro loan services.
- 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.
8.3   Hyderabad
Run Rate Sales
USD 15 thousand
EBITDA Margin
30 %
Business Loan
USD 19 K at 12%
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Microfinance Business Seeking Loan in Bangalore, India

Co-operative society that provides microfinance as personal, business and education loan and has 1,200+ members.
Co-operative society based in Bangalore that has permission to provide microfinance across all regions in Karnataka. We provide personal, business and education loans to our members. Have provided loans to 1,200+ members till date. We currently raise funds from 4-5 individuals but are also in talks with credit unions, banks and government organizations in order to establish tie-ups with them. From 4-5 individuals, we have raised over INR 40 lakh of funds and have disbursed a total loan of INR 20 lakh to our members. We provide only secured loans at a yearly interest rate of 17%. Before providing loans, we conduct a background verification. We outsource the background verification and accounting works to third party credit managers and accountants. We also have tie-ups with 20+ pigmy agents who collects loan repayments from our members at the time of maturity. Our co-operative society is a multiple purpose society which means, we also have provision to start industries / factories and undertake real estate projects. However, we currently focus only on microfinance activity. Our co-operative society was registered two years ago but we began operations at the beginning of this year. This is the reason why our last year's revenue was low. Founder of the society has 8 years of experience in finance industry.
6.3   Bangalore
Run Rate Sales
USD 15 thousand
EBITDA Margin
4 %
Business Loan
USD 60 K at 12%
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Microfinance Company Seeking Loan in Mumbai, India

Savings and microfinance Nidhi company looking to expand its customer base.
- Our company was registered almost 4 months ago and we plan to start operations by next month. - We will offer microfinance loans and daily deposit savings to our members. - The initial value of these loans will be from INR 5,000 and would have an interest of 22% to 30% per annum. - Have taken up an office in Mumbai but we have not been able to start operations due to the current global situation. - Promoter has 15 years of experience in the finance industry.
7.1   Mumbai
Run Rate Sales
Nil
EBITDA Margin
Nil
Business Loan
USD 25 K at 15%
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Microfinance Business Investment Opportunity in Chennai, India

Micro finance company providing short term loans to small business owners, seeking funds for operations.
- A micro-finance company based in Chennai. - This is a new venture started by a group of companies involved in mobile app development, construction and other industries. - Regulatory approvals are in place. - We will be providing short term loans to small business owners, shopkeepers, auto and taxi drivers. - Business is still in the pre-revenue phase and will begin operations within the next 2 months. - We will be creating groups of 10 people that will have 1 group leader. Each member of the group is eligible for a loan between Rs. 15-30k and a repayment period of 12 - 24 months. - We have already setup 150 groups, and are ready to disburse the loans once funds are received. - Interest on loan would be between 20-23% p. a plus processing fee of Rs. 1,000 per loan disbursement. - The repayment of the loan taken will be done through per day installments. For example - repaying back Rs. 1,500 per day until x amount + interest is paid back. - The team leader ensures each individual of the team pays the loan back. If someone defaults then the rest of the team members must make up for that individual repayment for that particular day. - Field verification for each applicant would be done by our team before loan is approved by our credit managers. - Promoter is from finance background with more than 15 years of experience in managing investment portfolio, sales & marketing and developing HNI assets. - Locations that we have planned to start in the initial stage are - Salem, Coimbatore, Dharmapuri, Krishnagiri, Karaikudi, Ramanathapuram - All in Tamil Nadu. - Physical assets include the interior setup and equipment of the offices.
7.2   Chennai
Run Rate Sales
Nil
EBITDA Margin
Nil
Financial Investment
USD 380 K for 25%
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Microfinance Company Seeking Loan in Delhi, India

Newly started micro-finance company that has disbursed over INR 45 lakh to 500 clients.
- We are a micro-finance company that was recently started in Delhi. - Operations have been started and so far we have disbursed over INR 45 lakh to 500 clients. - We are associated with well known finance companies like Usha Finance and ASA Microfinance. - Company currently has one branch and is planning to open 10 more in the next 4-5 months. - Promoter has completed his MBA and CA Inter and has worked with micro-finance companies for over 8 years. - Company's physical assets include furniture, CCTV, lockers, cabins.
6.4   Delhi
Run Rate Sales
USD 30 thousand
EBITDA Margin
10 %
Business Loan
USD 250 K at 18%
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Microfinance Company Investment Opportunity in Kampala, Uganda

Micro-finance company providing short term lending to entrepreneurs with 6 branches in and around Kampala.
- A microfinance company based in Kampala, Uganda that started operations in 2016. - We provide short term finance to small scale businesses and entrepreneurs for their working capital requirements. - The various loans offered include - Instant loans, consumer loans, individual business loans, agriculture loans and home improvement loans. - The loans vary in duration from 4-12 weeks. - Apart from financial services, we extend non-financial services as well by understanding clients business and helping them grow. - Currently have 2,700 clients with 1,800 active borrowers. - Witnessing an increase of 8% client growth rate per month. - Partnering with Shona business accelerators and Kiva.
Micro-finance company providing short term lending to entrepreneurs with 6 branches in and around Kampala.
8.1   Kampala
Run Rate Sales
USD 800 thousand
EBITDA Margin
10 - 20 %
Financial Investment
USD 200 K for 60%
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Microfinance Company Seeking Loan in Johannesburg, South Africa

Authorized credit provider under National Credit Regulator, seeking funds for setting up new branch.
- We are a South African credit provider company operating since 2016, having license under National credit regulator of South Africa. - Provide small loans of ranging from 2,000 to 10,000 ZAR to individuals, with interest and tenure based on credit regulations. - Till date, we have provided loans to more than 1,000 clients, and our customer base is growing by 30% every year. - We are operating 2 branches based in Johannesburg, and are seeking funds to open another branch to accelerate our customer acquisition drive.
5.6   Johannesburg
Run Rate Sales
USD 50 thousand
EBITDA Margin
25 %
Business Loan
USD 6 K at 15%
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Microfinance Company Seeking Loan in Mumbai, India

Micro Finance Company providing loans to small businesses, personal and group loans.
- Micro Finance Company providing loans to small businesses, group loans to women, personal loans and emergency loans. - It was a running business which we acquired one year back and are now planning to expand it and make it a franchise model. - We provide loans to women and small businesses such as shopkeepers, auto drivers, taxi drivers. - Promoter is from the finance background and have more than 12 years of experience in management, sales and marketing. - Have distributed 200 micro loans to different business and individuals. - Our average loan ticket size is between INR 5,000 to 25,000 in first attempt which is provided. - We do KYC and also collect cheque and bank statements as assurance from the business owners wherever possible. - Our target is to provide 10,000 micro loans per year. - On an average we are providing INR 10 lakh worth loans every month. - Interest on the loan is in the range of 15 to 25 percent. - We have 20 collection executive who also acts as agents. They work on commission basis. - Repayment duration for the loans is between 3 months to 1 year.
7.7   Mumbai
Run Rate Sales
USD 150 thousand
EBITDA Margin
20 - 30 %
Business Loan
USD 600 K at 15%
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Microfinance Company Seeking Loan in Lucknow, India

Micro-finance company that lends to women entrepreneurs from lower income groups.
We are a micro-finance company that lends to women entrepreneurs from lower income group. Our model works on a 'Joint Liability Group' where a group of 4 to 10 individuals come together to avail a loan as a single entity or as a group against a mutual guarantee. Loans are targeted at women and all the loans granted are repayable in 52 weeks. To date we have more than 3,000 total borrowers with a total book outstanding of more than INR 1.5 crore since incorporation. Promoters are experienced bankers with each have more than 25 years of experience in the industry.
6.5   Lucknow
Run Rate Sales
USD 300 thousand
EBITDA Margin
12 %
Business Loan
USD 250 K at 17%
Contact Business

Microfinance Company Seeking Loan in Sheohar, India

Company plans to provide loans to small retail businesses and individuals.
- Our company aims to provide loans to individuals and small businesses. - We would lend in amounts ranging from 5,000 to 50,000 INR for a year with nominal interest charge. We have a dedicated 10 member team who help in acquiring customers. They are also involved in collections from borrowers. - Individuals and small retailers seeking loans will have to register with us. We currently have 100 members registered mostly from Sheohar district. - Also planning to introduce fixed deposit and recurring deposit services in the future. - We require funds for working capital. This would help us achieve a sustenance cycle in our business.
5.6   Sheohar
Run Rate Sales
Nil
EBITDA Margin
Nil
Business Loan
USD 13 K at 12%
Contact Business

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    There are 22 active and verified microfinance businesses for sale and investment opportunities listed on SMERGERS as of 19 August 2022.
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