4+ Y/O Buy-Now-Pay-Later Fintech Platform

Business Start Date: 8/2020
Business Location: Malaysia
Business Price: $175,000 USD
Business Model: Payment Processing, Revenue-Sharing
Industry: Buy-Now-Pay-Later, Fintech
Percentage Being Sold: 100%
GMV (TTM): $2,729,398
Net Revenue (TTM): $287,645
Net Profit (TTM): $6,148.19
Business Multiple (Net Revenue): About .6x Sales
Registered Customers (Total): 56,525
Registered Merchants (Total): 1,657
____________________________________________
1. Executive Summary
[Redacted Company Name], founded in August 2020, is a fintech company based in [Redacted Location]. It operates in the growing Buy Now, Pay Later (BNPL) sector, offering payment processing and revenue-sharing services. The company achieved a Gross Merchandise Volume (GMV) of $2,729,398 over the trailing twelve months (TTM), with net revenue of $287,645 and net profit of $6,148.19. With a user base of 56,525 registered customers and 1,657 merchants, [Redacted Company Name] is a valuable acquisition opportunity in the BNPL industry.

2. Investment Highlights
Strategic Market Position: Positioned within a rapidly growing BNPL market valued at MYR 6.2 billion in transaction volume.
Reduced Competition: As market entry barriers have risen, only a handful of competitors remain, creating a unique expansion opportunity.
Established Partnerships: Partnerships with local and international payment processors streamline operations and improve customer experience.
Scalability and Growth Potential: [Redacted Company Name] is poised for rapid regional expansion, with a robust tech infrastructure and strong partnerships.

3. Company Background
Founded by three entrepreneurs, [Redacted Company Name] was launched in 2020. Initially, the company navigated high competition but has since benefited from a consolidation in the market. This environment positions [Redacted Company Name] for significant growth.

4. Business Model and Revenue Sources
[Redacted Company Name] offers a BNPL solution integrated into merchants' point-of-sale (POS) systems, allowing consumers to make purchases and spread payments over three installments. Revenue is derived from:
Merchant Fees: Commissions collected from partner merchants.
Late Fees: Charged to users on overdue payments.
User Fees: Additional revenue generated from specific services.
A B2B2C acquisition model allows for low direct advertising costs, leveraging the merchant network to drive growth.