Exclusive Collateral Lending 120%-240% Annual Yield -Exclusive License

Asking Price$1,250,000

Cash Flow
Not Disclosed

EBITDANot Disclosed

Gross RevenueNot Disclosed

InventoryNot Disclosed

FF&ENot Disclosed

Real EstateNot Disclosed

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Exclusive Collateral Lending 120%-240% Annual Yield -Exclusive License


Asking Price$1,250,000

Cash Flow
Not Disclosed

EBITDANot Disclosed

Gross RevenueNot Disclosed

InventoryNot Disclosed

FF&ENot Disclosed

Real EstateNot Disclosed


Seller Financing Available
Business Description
Asset-Based Lending-Valuable Restriced Market License Included
“ Exclusive Opportunity
Asking Price: $1,250,000. This includes the right to transfer ownership of license with FF & E.
Inventory: Included-Inventory will be adjusted at time of closing
Active Loans: Active loan amount will be adjusted at closing
Location: St. Louis (County ) , Missouri
Square feet 4700 Sq Ft being used; up to 6300 sq ft avail
Real Estate Information: Part of building rented out. 18 ft high ceilings
Furniture, Fixtures &Equipment (FF&E): Included in asking price are safes,
shelving, security systems and camera systems.
Support & Training: Negotiable
Reason for Selling: Owner seeking to reallocate capital toward a different asset class
Competition: Limited as Seller holds one of the exclusive collateral licenses issued
Established: Decades in business


Decades of Proven Success: This well-established shop has enjoyed a long history of success in a prime St. Louis metro location with high traffic flow. This is structured as an Asset Purchase to transfer the exclusive operating license, the inventory and the active loan portfolio.
Exclusive Market Position: Benefit from an exclusive market position with no new licenses being issued in the area ensuring limited competition.
Opportunity for High Yield- This business generates significant monthly cash flow through a high yield loan balance. Interest rates on collateral loans range fro 10%- 20% PER MONTH, representing an incredible 120% to $240% annualized interest yield.
Recession Resistant Business-During downturns in the economy , there is an increase in demand for loans thereby benefiting collateral loan companies

High Security Features: The business incorporates robust security measures for both employees and valuable inventory.
Prime Real Estate : This includes the opportunity to expand in the building and also purchase prime commercial real estate property, providing significant long-term value and flexibility and plenty of room for expansion.
Usable floor space could be doubled to 9400 Sq. Ft because of ceiling height.
High Growth Potential: Tap into a strong customer base and explore opportunities for further expansion.
Confidentiality Assured: All inquiries are handled with strict confidentiality to protect the existing business operations.
Additional Information: Buyer is responsible for obtaining and or transferring all licenses required by Federal, State and Local laws. Price is based on current loans and will be adjusted based on loans.
Please include your name, contact information, and a brief background. Because of the confidentiality of this listing, proof of funds and or fundability is required along with a signed Non-Disclosure Agreement (NDA).
About the Business
Years in Operation
33
Employees
2 Full-time
Facilities & Assets
FFE will be included in the successful completion of lease/sale of building. FFE includes signage, safes, security systems, shelving and show cases as part of the lease or sale of building. The business occupies 4700 square feet but an additional 1600 square feet could be available for a total of 6300 square feet ( 18 ft high ceilings).
Market Outlook / Competition
There are no more new licenses currently available in the area. Presently, the only way to own a collateral loan business in this city or St. Louis County is to purchase an existing collateral business, This presents a unique opportunity as the license represents a high barrier to entry that prevents new competition from entering the local market. In this jurisdiction, collateral loan licenses are strictly limited by a city/county cap. Because no new licenses are being issued, a competitor cannot simply rent a space next door and open a shop.
Opportunities for Growth
This is a rare opportunity to acquire a high-yield, fully collateralized consumer finance business with a protected license. Unlike traditional unsecured lending, this operation maintains a 100% secured loan book backed by high-liquidity assets including precious metals and gold jewelry. The business serves a demographic set of clients seeking discreet short term liquid loans. With conservative Loan-to-Value ratio/ streamlined recovery, downside is significantly lessen. This business outpaces traditional credit market - has triple digit yields.
Real Estate
Owned or Leased
Owned
Included in asking price
Building Sq. Ft.
6,300
Rent
$3,281.00 per month
About the Sale
Seller Motivation
Owner seeking to reallocate capital toward a different asset class.
Transition Support
Negotiable
Financing Options
Will consider financing to qualified Buyers
Listing Info
ID
2327137
Listing Views
4181

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Business Listed by: Manager/ Collateralized Consumer Finance/Loans

Listing ID: 2327137 The information on this listing has been provided by either the seller or a business broker representing the seller. BizQuest has no interest or stake in the sale of this business and has not verified any of the information and assumes no responsibility for its accuracy, veracity, or completeness. See our full Terms of Use. Learn how to avoid scams.


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