Railway Construction Businesses Seeking Loan in Bengaluru

Operates a fully functional vegetarian café located in a dense residential and commercial area of South Bengaluru. - Serves beverages, quick bites, snacks, desserts, and WFC offerings with consistent daily customer demand. - Attracts 300–500+ unique customers each month through dine-in and platforms. - Generates stable revenues with strong operating margins, supported by repeat local clientele. - Operated by a hands-on promoter with experience in daily operations, sourcing, and vendor coordination. - Maintains active relationships with suppliers and delivery platforms for uninterrupted continuity. - Employs a trained team of 6 staff members managing kitchen and front-end operations. - Includes kitchen equipment and furniture with significant physical asset value. - Holds valid FSSAI and GST registrations, ensuring regulatory compliance. - Structured as a sole proprietorship, fully self-funded, and completely debt-free.

Operates a fully functional vegetarian café located in a dense residential and commercial area of South Bengaluru. - Serves beverages, quick bites, snacks, desserts, and WFC offerings with consistent daily customer demand. - Attracts 300–500+ unique customers each month through dine-in and platforms. - Generates stable revenues with strong operating margins, supported by repeat local clientele. - Operated by a hands-on promoter with experience in daily operations, sourcing, and vendor coordination. - Maintains active relationships with suppliers and delivery platforms for uninterrupted continuity. - Employs a trained team of 6 staff members managing kitchen and front-end operations. - Includes kitchen equipment and furniture with significant physical asset value. - Holds valid FSSAI and GST registrations, ensuring regulatory compliance. - Structured as a sole proprietorship, fully self-funded, and completely debt-free.

Executive summary. The company is a well-established BFSI services and technology platform with over two decades of operating history, delivering mission-critical verification, risk assessment, and compliance services to leading PSU banks, private banks, and NBFCs. Operating with a clean, debt-free balance sheet, the business has demonstrated consistent profitability and strong institutional credibility across South India. Founded 34 years ago and incorporated 21 years ago, the company has evolved from a traditional services provider into a technology-enabled BFSI solutions platform, supported by proprietary systems, ISO 27001 certification, and scalable operational infrastructure. Business overview. The company specializes in due diligence, credit risk assessment, background verification, and field investigation services for financial institutions. Its offerings are deeply embedded within client lending and compliance workflows, resulting in high repeat business, long-term empanelment, and strong entry barriers. With a workforce of 150 full-time employees and access to 350+ field executives through in-house and subsidiary structures, the company has built robust execution capabilities supported by stringent quality control and audit mechanisms. Financial snapshot. Revenue: ~INR 10 crore (stable over the last four years) Profit after tax: ~INR 57 lakh. Debt: Nil. Cash & fixed deposits: ~INR 1.5 crore. Fixed assets: ~INR 15–20 lakh. The business operates with strong cash discipline, surplus liquidity, and no external leverage. Technology & intellectual property. The company has developed a proprietary operational technology platform that is currently live and supporting day-to-day delivery. A second, more advanced platform is ~90% complete, aimed at enhancing automation, analytics, and scalability. Additionally, one patent is under process, strengthening long-term IP defensibility. The technology architecture is automation-ready, enabling margin expansion and national scalability without proportional increases in headcount. Promoter & governance. The business is founded and led by promoter, who brings 25+ years of BFSI experience and deep institutional relationships. The promoter has successfully navigated regulatory, operational, and risk environments across multiple credit cycles and remains open to a structured transition, advisory, or continuity role post-transaction, if required. Governance practices are mature, with a strong focus on compliance, data security, and operational risk control. Growth & scalability opportunities. Key growth levers include: Expansion beyond South India into other banking-heavy regions. Technology-led margin improvement through automation. Addition of new PSU, private bank, and NBFC relationships. Cross-selling adjacent BFSI risk, compliance, and verification services. With capital and strategic backing, the platform is well-positioned to scale nationally and evolve into a broader BFSI risk-tech provider. Transaction rationale. The promoter is evaluating strategic alternatives to unlock liquidity while ensuring long-term growth and institutionalization of the business. Two structures are under consideration: Full acquisition (preferred): Enables immediate control, faster scaling, deeper technology integration, centralized analytics, and complete risk transfer to the acquirer. Selective secondary sale: Allows minority entry into a profitable BFSI platform with promoter continuity, offering medium-term value creation and defined exit visibility. Indicative transaction terms. Structure: Full acquisition or minority secondary sale. Indicative valuation: ~₹13 Cr (approximately 1.3x of revenue) Flexibility: Earn-outs or structured payouts can be considered. Execution: Professionally managed, CS-led transaction process. Investment thesis. This opportunity offers investors a rare combination of longevity, profitability, institutional trust, clean financials, and proprietary technology within the BFSI services space. The platform is de-risked operationally, scalable technologically, and well-suited for strategic buyers, PE funds, or family offices seeking predictable cash flows with expansion upside. Company operates on a fully technology-enabled verification and risk management ecosystem built to support high-volume operations for banks, NBFCs, and regulated institutions. The Company’s proprietary platforms digitize every stage of field verification, case management, workflow automation, and document intelligence. Key Technology Components: Field Force Pro: Smart field verification system with GPS tracking, geo-tagged data capture, real-time dashboards, and automated reporting. DataStream: Workflow automation engine that digitizes operational processes, reduces manual errors, and enhances speed and productivity. Quick Verify: Instant verification module designed for fast compliance checks and bulk record validation with accurate final confirmations. Sequence: Workflow orchestration tool enabling structured multi-step verification processes and improved inter-team coordination. OCR Hunter: AI-driven OCR platform that converts scanned documents into structured data, eliminating manual data entry and improving accuracy. Core Advantages: ISO/IEC 27001:2022–aligned data security. Real-time operational transparency. Scalable across multi-state operations. Reduced manpower dependency. Faster TAT and improved accuracy. Company technology elevates the business from a traditional verification service provider to a tech-enabled, process-driven risk and compliance platform, delivering measurable efficiency and better control for BFSI clients.

Established banking technology solutions provider with over 17 years of domain experience in data integration, migration, modernization, and archival services. - Delivered 30+ large-scale data transformation programs and 25+ migration implementations across multiple core banking platforms. - Deep hands-on experience across 10+ core banking systems, supporting banks during upgrades, mergers, and system replacements. - Serves a strong client base of reputed banks and financial institutions across India, MENA, and select global markets. - Founding team brings over two decades each in banking technology, payments, product design, and enterprise strategy. - Operates a profitable and scalable delivery model combining product licensing, implementation services, and managed services. - The business has a valid business registration certificate.

• Facility management and manpower services company with over 10 years of operating history. • Provides security guards, housekeeping staff, and outsourced manpower solutions to corporate clients. • Currently serves around 30 active corporate customers across multiple facilities. • Revenue generated through long-term service contracts and recurring manpower deployments. • Business model allows flexibility to expand into additional facility services or specialized manpower verticals. • Recent sales decline attributed to promoter’s lack of time rather than market demand or capability. • Established systems, client relationships, and workforce structure in place for smooth continuation. • Registered with MCA and GST, ensuring compliant and transferable operations. • Suitable for an operator or investor looking to scale or restructure an established facility management business.

Early-stage, founder-led HR services company building managed payroll, HRMS-enabled operations, and compliance solutions for growing businesses. - Provides end-to-end managed payroll services, including salary processing, statutory compliance, filings, and monthly reporting, delivered as an outsourced function. - Offers HRMS-supported HR operations covering employee records, attendance, leave management, and basic HR workflows for organizations without in-house HR teams. - Serves startups, small, and mid-sized companies seeking accuracy, compliance, and operational continuity while focusing on core business growth. - Currently in the validation and build phase with 2–3 initial client engagements; revenue is at an early stage and yet to scale. - Plans to introduce bookkeeping and accountancy services as an adjacent offering, providing monthly accounting support and MIS preparation for clients. - Operates on a process-driven and conservative business model with realistic cost structures and professional governance built in from inception. - The promoter brings strong prior experience across HR, payroll, compliance, and financial services, having worked with mid-sized organizations and complex operational setups. - Promoter-funded venture with adequate runway; external investment is sought primarily for strategic credibility, governance strength, and long-term scaling. - Maintains a clear roadmap for technology enablement and phased expansion, including potential international growth from next year onward. - Registered with the MCA, ensuring compliant and structured business operations.

• Luxury interior design and execution firm based in Bangalore, operating for over 10 years. • Specializes in customized interior design solutions supported by realistic 3D visualizations. • Primarily caters directly to homeowners seeking premium, end-to-end interior design services. • Actively engaged across both design and execution stages, offering a complete turnkey solution. • Strong current pipeline with 15 projects under execution and 15 projects in the design phase. • Successfully completed approximately 500 interior projects over the past decade. • Recognized with multiple prestigious design awards, positioning the firm among Bangalore’s exclusive design studios. • Strong digital presence, consistently ranking on the first page of Google for key interior design keywords. • Registered with MCA, ensuring a compliant and structured corporate setup. Registered as a private limited entity 5 years ago.

• Manpower security services company operating in Bangalore with a strong and diversified client base. • Core services focus on security manpower deployment for residential apartments, MNCs, sports facilities, and commercial establishments. • Serves over 300 active clients across Bangalore through long-term and recurring service contracts. • Workforce includes 45 permanent office and supervisory staff, supported by approximately 1,500 trained field personnel. • Operates from a built-up infrastructure of around 3,000 sq. ft. , supporting administration, operations, and workforce management. • Established systems for recruitment, training, deployment, and compliance-driven security operations. • Revenue is generated through contract-based security and facility service agreements. • Registered as a private limited company with MCA and holds valid GST registration, ensuring compliant operations. The company was registered as a private limited company 20 years ago. • Well-positioned for scale due to strong client relationships, operational depth, and growing demand for organized security services.