Personal Loans Businesses for Sale and Investment

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.

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.

Within 3 years of establishment: - The company has been able to disburse over NGN 750,000,000 in loans with over NGN 200M personally and from investors and partners. - We collaborate with legal teams and asset appraisal experts to determine the precise value of collateral, including cars, original watches, gold and diamond jewellery. - Revenue model of 8% monthly interest on every loan disbursed. - We have the necessary license issued by the Lagos State Government Ministry of Home Affairs to operate the business.

Capital Den is a financial advisory firm based in Pune. We have been offering loan consultation services since 2005 in Maharashtra. Looking for sales partners in all district places in Maharashtra. Our products are home loan, mortgage loan, MSME loan, and project loan. We are associated with all leading banks. Sales partner does not require much upfront cost to start the business and can easily earn INR 2 lakh in commissions.

Nidhi company run & managed by ex-bank official with more than 20 years of industry experience. Provide loans to individuals against small security, especially gold. Each loan offered is for a short term, up to a year and we charge an interest rate of 15-20% annually. We receive interest every 3 months from customers. Kerala is a huge market for us and we project turnover of INR 10 crore in 5 years. Company operates from a rented facility in Kochi and we own 3 computers and a few furniture.