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loanLoan
Capital at risk
24
Months
17.5%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

Augmenta Global is a business specialising in the export of medical equipment for triage, pharmaceuticals, and research. They have been in operation for 6 years, and have ties to the Bangladeshi medical and pharmaceutical industry thanks to the director’s previous experience there. Their primary market is Bangladesh, though they also work with businesses in the UK and are working to expand to African and other Asian markets.

To constantly improve the quality of service, functionality and efficiency of our system to deliver the best for our customers.

We are a value-based company specialising in the resale of laboratory consumables, reagents, chemicals, instruments, spare parts, HPLC columns, medical equipment, and IVD kits. Our primary markets include pharmaceuticals, hospitals, and research laboratories, with a strong focus on exports to Bangladesh and developing markets in other Asian and African countries, as well as the UK and EU. Driven by our core values of Integrity, Reliability, Transparency, Innovation, Service First, and Continuous Improvement, we have achieved a growth rate of over 20% annually for the past four years. Our mission is to leverage our extensive experience and knowledge to continuously enhance the quality, functionality, and efficiency of our services, ensuring we deliver the best for our customers.

Our primary market is Bangladesh, where we have established a robust presence. Additionally, we are actively developing markets in other Asian and African countries, capitalising on the growing demand for medical and laboratory supplies. The UK and EU markets also present significant opportunities, given their advanced healthcare and research infrastructure. We offer a comprehensive range of products including: Laboratory consumables, reagents and chemicals, instruments and spare parts, and medical equipment.

We source our products from manufacturers with whom we have negotiated favourable terms, including advance payment and 30-day net credit arrangements. Our sales cycle typically involves a 60-day payment collection period from our clients. This model ensures a steady cash flow while allowing us to maintain strong relationships with both suppliers and customers. Our company is poised for continued success, driven by our unwavering commitment to our core values and mission. By expanding our market reach, enhancing our product offerings, and maintaining strong relationships with our suppliers and customers, we are confident in our ability to achieve sustained growth and deliver exceptional value to all our stakeholders.

Credit commentary:
The directors Kamalesh Halder and Rupa Talukder are providing a personal guarantee, which means should the business fail and have insufficient assets within the business to repay the loan, we can look to the guarantor(s) to repay any shortfall on repayment. Additionally, the business is offering a debenture to secure the loan repayment. There have been no CCJs for the business or director. Our assessment of risk is that there have been no CCJs for the business or director. The Equifax score and grade, which we use to assess risk, are based on the 2023 accounts. The company’s financials, which have been verified by an accounting firm, confirm the accuracy of the figures. Their total EBITDA was £64,107 in 2024 and £41,051 in 2023, which is enough to cover interest, existing debt payments, and the proposed facility. There was a significant 32% increase in turnover between 2023 and 2024, highlighting substantial growth. The total net worth increased to £40k, providing a solid asset base for securing a borrowing facility. The director’s salary has remained unchanged, indicating stability in management costs. Despite a decrease in net cash from financing activities (£8,004 in 2024 compared to £18,177 in 2023), the DSC ratio of 10.63 indicates strong earnings relative to debt obligations. However, the net gearing ratio of 175% reflects high financial leverage. Recent bank statements show volatile and below-zero balances, which fall outside our credit policy but could warrant a policy exception given other mitigating factors. The company faces challenges with a creditors’ days ratio of 48 days, indicating inefficiency in paying creditors. Current debts include mortgages with HSBC and Nucleus Cash, and a loan from NCF Finance2, presenting mixed financial signals that require careful consideration.

Inflation comments:
The company has stated that inflation will not affect their business. Since the majority of lending to the business is at a fixed rate, they will not be immediately affected by interest rate increases.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Maximum
£ 40k
Raised
£ 7k
Investors
37
Est close date
26d 11h

Where will the funds go?

Debt Settlement
£40,000

Key people

Kamalesh Halder
Director

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Business brand

Chelmsford, UK

"To constantly improve the quality of service, functionality and efficiency of our system to deliver the best for our customers."

Incorporated
5 years, 11 months
Credit risk indicator

Risk warning

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.