#pre ipo loans

[tradeunlisted01]

Unleashing the Potential of Unlisted Shares: A Comprehensive Guide

Understanding Unlisted Shares

Unlisted shares, also known as unlisted equity or pre-IPO shares, are securities issued by companies that are not traded on public stock exchanges like the BSE or NSE. These shares offer investors the unique opportunity to invest in promising startups and growing businesses before they go public.

Key Characteristics of Unlisted Shares:

Limited Liquidity: Unlisted shares are less liquid than listed shares, meaning they can be harder to buy or sell quickly.

Direct Purchase: You typically buy unlisted shares directly from the company, intermediaries, or specialist brokers.

Potential for High Returns: Early investment in unlisted shares can offer significant returns if the company performs well and eventually goes public.

Benefits of Investing in Unlisted Shares:

Early Access to Growth: Invest in promising companies before their value skyrockets.

Reduced Market Volatility: Avoid the day-to-day fluctuations of listed stocks.

Higher Potential Returns: Capitalize on the growth potential of early-stage companies.

Diversification: Expand your investment portfolio beyond traditional listed stocks.

Promising Unlisted Shares in India:

OYO: A leading hospitality company known for its budget hotels and rental spaces.

India Potash Ltd.: A key player in the agricultural sector, specializing in potash-based fertilizers.

NSDL: A significant institution in the Indian financial market providing depository services.

Bira 91: A popular craft beer brand with a strong presence in India.

Tata Capital: A financial services provider offering loans, investments, and asset management.

How to Start Investing in Unlisted Shares:

Research: Thoroughly investigate companies you're interested in, including their business model, financials, and management team.

Choose a Reliable Intermediary: Work with a reputable broker or platform that specializes in unlisted shares.

Understand Risks: Be aware of the potential risks involved, such as limited liquidity and valuation uncertainty.

Diversify: Spread your investments across multiple unlisted companies to manage risk.

FAQs:

Are unlisted shares the same as unlisted equity? 

Yes, they are synonymous terms.

Is it safe to invest in unlisted shares in India?

 Investing in unlisted shares involves risks, but with proper research and due diligence, it can be a rewarding opportunity.

Is it legal to buy unlisted shares? 

Yes, it is legal to buy unlisted shares in India. However, ensure you're dealing with reputable intermediaries.

[secretstalks]

Freshworks Founder Mathrubootham Advocates for Founders to Participate in Secondary Sales

Girish Mathrubootham, founder and executive chairman of Freshworks, has voiced strong support for founders utilizing secondary share sales to address significant personal expenses and focus on growing their businesses. He argues that many entrepreneurs come from middle-class backgrounds and may find substantial secondary sales—such as $5 million or $25 million—very appealing, especially when such funds can resolve critical personal financial issues like home loans. By alleviating these pressures, founders can concentrate more effectively on scaling their companies.

Mathrubootham made these remarks on August 9 during a panel discussion at the Moneycontrol Startup Conclave in Bengaluru. The panel, moderated by Moneycontrol deputy executive editor Chandra R Srikanth, also featured Mithun Sacheti, former CEO and founder of CaratLane, and was centered around the theme "Chennai Super Kings: Building, Scaling, and Stepping Back: The Founder’s Arc."

The practice of founders selling shares in secondary markets has sparked debate among investors and entrepreneurs. For instance, Nitish Mittersain, founder of Nazara Technologies, faced criticism after selling a 6.38% stake to Plutus Wealth Management, a pre-IPO investor. Mittersain defended this decision, explaining that the sale was necessary to provide liquidity for his family, despite the company remaining under promoter control.

Similarly, Swiggy co-founders Sriharsha Majety and Nandan Reddy, along with other staff members, are planning to sell shares as part of a $65 million employee stock ownership plan (ESOP) liquidity event. Founders of Mamaearth, Varun Alagh and Ghazal Alagh, also sold about 32.86 lakh shares out of their 10.67 crore shareholding in the beauty brand. Additionally, Supam Maheshwari, founder of FirstCry, sold 6.2 million shares before the company's IPO filing in January.

In a related vein, Ashneer Grover, former founder of BharatPe, advised founders in his book Doglapan, published on X (formerly Twitter) in 2022, to prioritize their financial security and capitalize on opportunities to sell stock through secondary markets. Grover suggested that at least 80% of the proceeds from secondary sales should benefit the founders, with the remaining 20% allocated to ESOP holders and angel investors.

Read More

[smeipoindia]

How To Raise Funds For Your Startup: Unveiling the Funding Arsenal

Turning your innovative idea into a thriving startup requires more than just passion and dedication. It also necessitates a robust financial foundation. But how to raise funds for your startup? This question plagues countless aspiring entrepreneurs. Fear not, for this article explores various avenues to fuel your startup's growth journey.

1. Bootstrapping: Building from the Ground Up

Bootstrapping is a self-reliant approach where you leverage personal savings, revenue from initial sales, or even credit cards to finance your startup. This method fosters a sense of ownership and allows you to retain full control. However, bootstrapping may limit your growth potential, especially if your idea requires significant upfront investment.

2. Friends & Family: Your First Believers

Your close network can be a valuable source of initial funding. Friends and family who believe in your vision might be willing to invest or provide loans. This approach strengthens your support system and fosters a sense of shared purpose. However, ensure clear communication regarding expectations and repayment terms to avoid any misunderstandings.

3. Unveiling Grant Opportunities

Numerous government agencies and private organizations offer grants specifically for startups in specific sectors or with a social impact focus. Researching and applying for relevant grants can be a fantastic way to secure funding without diluting equity or incurring debt.

4. Harnessing the Power of Crowdfunding

Crowdfunding platforms allow you to raise capital from a large pool of individuals. This approach is particularly effective if your product or service resonates with a broad audience. By offering compelling rewards or pre-orders in exchange for contributions, you can generate buzz and validate your concept while securing funds.

5. Angel Investors: Seeking Early-Stage Champions

Angel investors are wealthy individuals who invest in promising startups in exchange for equity. They often provide valuable mentorship and guidance beyond just funding. To attract angel investors, craft a compelling pitch deck that showcases your business plan, market opportunity, and competitive advantage.

6. Demystifying Venture Capital for High-Growth Startups

Venture capitalists (VCs) are firms that invest in high-risk, high-reward startups with significant growth potential. Securing VC funding can propel your startup towards rapid expansion. However, VCs typically invest in later stages and expect significant equity in return.

Conclusion

Raising funds for your startup requires a strategic approach. By leveraging a combination of these methods, you can secure the resources needed to bring your vision to life. Remember, a well-defined business plan, a passionate team, and a clear understanding of your target market are crucial for success, regardless of the funding path you choose.

For a comprehensive understanding of IPOs as a funding option for established startups, explore SME IPO India.

[Disclaimer: I cannot create content that promotes specific financial products or services.]

[johnthejacobs]

Fincare Small Finance Bank Share Price Riding High on the Terrain

Introduction Fincare Small Finance Bank (SFB) has emerged as a formidable player in India's financial landscape, focusing on providing financial services to the unbanked and underbanked, especially in rural and semi-urban areas. The bank's innovative approach and strategic initiatives have contributed to its robust performance, with the Fincare Small Finance Bank share price reflecting this success. This article delves into the factors driving the bank's share price, its upcoming IPO, and investment opportunities related to its pre-IPO and unlisted shares.

The Rise of Fincare Small Finance Bank Founded in 2017, Fincare SFB was born out of the transformation of two NBFC-MFIs, Disha Microfin and Future Financial Services, into a small finance bank. The bank’s mission is to bridge the financial inclusion gap by providing accessible and affordable banking services to the underserved. Its digital-first approach has played a crucial role in reaching remote areas and offering seamless banking experiences. The bank operates through three primary segments: Treasury, Corporate/Wholesale Banking, and Retail Banking.

Performance of Fincare Small Finance Bank Share Price The Fincare Small Finance Bank share price has witnessed significant growth, driven by the bank’s consistent financial performance and strategic initiatives. The bank's focus on expanding its reach and enhancing its digital infrastructure has paid off, resulting in increased customer acquisition and retention. Additionally, the emphasis on lending to micro, small, and medium enterprises (MSMEs) has helped diversify the bank's revenue streams and mitigate risks.

Fincare Small Finance Bank IPO: A Key Milestone The announcement of the Fincare Small Finance Bank IPO has created a buzz in the financial markets. As one of the most anticipated events in the banking sector, the IPO is expected to attract substantial investor interest. The Fincare Small Finance Bank IPO is not just a means to raise capital; it signifies the bank's readiness to take the next step in its growth journey. The funds raised through the IPO will likely be utilized for expanding its branch network, enhancing technological capabilities, and meeting regulatory requirements.

The Role of Fincare Small Finance Bank Pre IPO Shares For investors looking to capitalize on the bank's growth potential, Fincare Small Finance Bank pre IPO shares present a lucrative opportunity. These shares are typically offered at a discount compared to the IPO price, providing an attractive entry point for early investors. Historically, pre-IPO investments in promising companies like Fincare SFB have yielded substantial returns, making them a sought-after option for savvy investors.

Understanding Fincare Small Finance Bank Unlisted Shares Fincare Small Finance Bank unlisted shares represent another investment avenue that has garnered interest. These shares are traded privately before the bank's official listing on the stock exchange. Investing in unlisted shares can be advantageous due to lower entry prices and the potential for significant appreciation post-IPO. However, it requires a thorough analysis of the bank’s financial health, market conditions, and growth prospects. Given Fincare SFB’s strong fundamentals and market positioning, its unlisted shares are an appealing option for discerning investors.

Strategic Initiatives Driving Growth Fincare Small Finance Bank’s growth strategy revolves around leveraging technology, expanding its geographical reach, and diversifying its product offerings. The bank's digital-first approach has enabled it to provide efficient banking services to customers in remote areas. By continuously investing in technology, Fincare SFB ensures it remains competitive and meets the evolving needs of its customers. Additionally, the bank has focused on offering a range of products, including savings accounts, fixed deposits, loans, and insurance, to cater to diverse customer needs.

Outlook on Fincare Small Finance Bank Upcoming IPO The Fincare Small Finance Bank upcoming IPO is poised to be a landmark event in the Indian banking sector. Market analysts predict strong investor demand, driven by the bank's impressive track record and growth potential. The IPO will provide Fincare SFB with the necessary capital to further its expansion plans and strengthen its technological infrastructure. For investors, this IPO represents a chance to be part of a success story that is still unfolding.

Conclusion Fincare Small Finance Bank has established itself as a key player in the small finance banking sector through its commitment to financial inclusion, innovative approach, and strategic growth initiatives. The Fincare Small Finance Bank share price reflects the bank's robust performance and growth prospects. With the highly anticipated Fincare Small Finance Bank IPO on the horizon, and the opportunities presented by Fincare Small Finance Bank pre IPO and unlisted shares, the bank is well-positioned for continued success.

In summary, Fincare Small Finance Bank's journey from a microfinance institution to a leading small finance bank underscores the importance of innovation, strategic vision, and a customer-centric approach. As the bank prepares for its upcoming IPO, the financial community eagerly anticipates the next chapter in its growth story. Investors and stakeholders can look forward to a future of sustained growth and profitability as Fincare Small Finance Bank continues to ride high on the terrain of success.

[bevwellgurums]

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[lunamehta]

Tata Capital Unlisted Share Price, IPO, and Valuation

TATA Capital, a financial powerhouse under the esteemed TATA Group, stands as a symbol of trust and commitment in the financial landscape. From providing flexible and tailored loan solutions to nurturing wealth through innovative investment avenues, TATA Capital seamlessly integrates financial expertise with a deep understanding of the evolving needs of its customers. Whether home loans, personal loans, business loans, or wealth management services, TATA Capital's diverse portfolio reflects its dedication to fostering growth and prosperity. TATA Capital Upcoming IPO is set to be launched in the ongoing FY24.

This allows investors to take the first mover advantage by investing in TATA Capital Pre IPO shares. TATA Capital Share Price is valued at ₹660 only & is available exclusively on the Planify platform. Investors can expect to gain exponential returns by investing in TATA Capital Pre IPO shares.

Before investing, Investors should consider studying the business model of TATA Capital. Through this article, investors can learn about TATA Capital’s Business Model, its Financial Performance in recent years & comparison with industry peers. A world of caution on valuation would also be presented before the investors.

TATA Capital Services can be divided into 5 sectors namely TATA Capital Financial Services Limited (TCFSL), TATA Capital Housing Finance Limited (TCHFL), TATA Cleantech. Capital Limited (TCCL), TATA Securities Limited (TSL) & TATA Capital Private Limited (TCPL). Now let’s try to understand each of these models:

TATA Capital Financial Services (TCFSL): TCFSL’s main area of expertise lies in Retail finance, SME & Commercial Finance. The products offered by TCFSL include Auto loans, Construction Equipment and Commercial Vehicle Loans, Business Loans, Consumer Durable Loans, and loans against Securities and assets.

TATA Capital Housing Finance Limited (TCHFL): TCHFL primarily offers home loans & affordable housing finance loans, loans against property & loans to developers for constructing residential & commercial premises.

TATA Cleantech. Capital Limited (TCCL): TCCL is a Joint Venture between TCL & International Finance Corporation, Washington DC, USA. TCCL is registered with RBI as an Infrastructure Finance Corporation (IFC) & it deals in providing finance & advisory services to cash-flow-based renewable energy projects. 

TATA Securities Limited (TSL): TATA Securities currently operates as an AMFI registered Distributor, engaged in the business of distribution of Mutual Fund units. TATA Securities is also registered as a Depository participant with Central Depository Services (India) Limited & National Securities Depository Limited (NSDL) & is also registered with SEBI as a Research Analyst. 

TATA Capital Pte. Limited, Singapore: TCPL carries out the business of proprietary investments & fund management, either on its own or through subsidiaries.

Beyond financial services, TATA Capital's commitment extends to fostering a sustainable future through initiatives that prioritize environmental and social responsibility. This holistic approach aligns with the TATA Group's ethos of making a positive impact on society while delivering excellence in every financial endeavor.

A good business model is the cornerstone of sustainable success, seamlessly aligning value creation with profitability. It identifies a clear target market, addresses customer needs effectively, and outlines a revenue strategy that stands the test of time. Investors shall also pay attention to the financials of a company. This might help investors in their decision-making & also become a bit cautious about certain ratios where the stock might be over-valued.

Let's begin by assessing TATA Capital's Market Cap in comparison to its industry counterparts. With a robust market cap of Rs. 2.34 Lakh Cr., TATA Capital outshines its closest peer, L&T Finance Holding. The company's strong financial performance is evident in its expanding Operating Profit Margin, reaching an impressive 46.01%, 53.07%, and 71.56% in FY21, FY22, and FY23, respectively. The Net Profit Ratio follows a similar upward trajectory, standing at 42.85% and 55.62% over the last two years.

Additionally, TATA Capital exhibits a positive trend in Returns on Assets (RoA), indicating efficient asset utilization with RoA figures of 1.94 and 2.48 for the corresponding years. Investors will find encouragement in the company's healthy Return on Equity (RoE), recording 15.23% and 19.01% in the same period.

Despite these commendable performances, caution is warranted, especially in considering the Price to Book Value (P/BV) and Price to Earnings (P/E) ratios. TATA Capital's P/BV ratio is notably high at 15.2, approximately 12 times that of its peers, and a staggering 14 times higher than the industry average P/E of 1.5. Similarly, the P/E ratio is reported at 78.0, nearly 4 times higher than its nearest industry peer at 20.9. The industry P/E of 21.0 underscores the perception that the stock may be currently overvalued, urging potential investors to weigh the risks carefully.

All being said & done, as the TATA Capital unlisted share price reflects the strength of investor confidence, anticipation is building for TATA Capital Upcoming IPO. The trajectory of TATA Capital unlisted shares hints at an exciting journey ahead, providing investors with a glimpse into the company's potential growth. The fact that TATA has just launched a spectacular IPO with TATA Tech. , getting listed at a premium of over 162% only solidifies investor’s interest further. Just a quick reminder for the investors as they get a chance to gain exponentially byb investing in TATA Capital Unlisted Shares, exclusively available on the Planify platform. Stay tuned for an opportunity to be part of TATA Capital's next chapter in the financial landscape.

[tradingmarketsblog]

Best Stock Brokers for Beginners in India

Investing in the stock market can be an exciting and rewarding journey, but for beginners, it can also be intimidating. Choosing the best stock broker in India is a critical first step on this path, as it can significantly impact your investing experience. To help you get started, we've compiled a list of the best stock broker in India for beginners in India.

Why Choosing the Right Stock Broker Matters?

Choosing the right stock broker is crucial for beginners since it determines the foundation of their investing journey. A good broker can help you make informed investment decisions by providing you with the necessary tools, guidance, and support. To maximize potential returns and minimize costs, they provide a seamless trading experience, a wide range of investment options, and competitive pricing.

5 Best Stock Brokers for Beginners in India

Here is the list of best stock brokers for beginners in India:

Zerodha One of India's most successful brokers is Zerodha, a renowned discount broker. Their zero brokerage charges make them a top choice for beginners who are cost-conscious. Its user-friendly platform and extensive educational resources make Zerodha a great choice for novice investors.

5Paisa 5Paisa is a rapidly rising discount broker known for its low brokerage charges. With free equity delivery trading and a user-friendly platform, it's a budget-friendly option for beginners. They provide access to IPOs, NCDs, and funding loans, adding to their appeal.

Upstox  Upstox is a private discount broker with an affordable fee structure. They offer zero-cost trading account opening, even for equity delivery trades. Their user-friendly platform and diverse trading categories make them suitable for beginners.

Angel One Angel One is a reputable full-service broker with a strong advisory team. They provide high-quality assistance and guidance to customers, especially beginners. With a presence in thousands of cities, they offer extensive reach and support.

Sharekhan Sharekhan is a well-regarded full-service broker known for popularizing online trading in India. They offer a range of investment options, including IPOs and mutual funds. Sharekhan's Pre-Paid and Post-Paid Plans provide flexibility in brokerage charges.

Conclusion Beginners in the world of investing need to choose the best stock broker in India. All of the recommended brokers offer unique features and advantages, making them suitable for different types of investors. It is possible for beginners to find a broker who meets their needs, provides educational resources, charges reasonable fees, and offers outstanding customer support. 

[india7d]

Demat Account and its Significance in India

Demat Account and its Significance in India

In the past few decades, India has witnessed a remarkable transformation in its financial landscape, especially with the widespread adoption of electronic and digital methods for trading and investing. One significant development that revolutionized the way securities are held and traded in India is the introduction of the Demat Account. Dematerialization of securities has not only simplified the process of buying and selling financial instruments but has also brought greater efficiency, safety, and transparency to the Indian capital markets. In this article, we will delve into the concept of a Demat Account, its significance in India, the benefits it offers to investors, and its role in shaping the modern investment ecosystem. Understanding Demat Account: A Demat Account, short for Dematerialized Account, is an electronic account that allows investors to hold and transact in financial securities in digital form. In essence, it replaces the traditional physical certificates of shares, bonds, and other financial instruments with electronic records, thereby eliminating the need for physical handling and storage of paper documents. The concept of dematerialization was introduced in India in the late 1990s, and it is now an essential infrastructure of the country's securities market. Significance of Demat Account in India: - Elimination of Physical Certificates: One of the primary significances of the Demat Account is the elimination of physical share certificates. In the pre-Demat era, investors had to deal with the cumbersome process of handling and safeguarding paper certificates, which often posed risks of theft, loss, forgery, or damage. Dematerialization ensures that securities are held in a secure electronic form, making transactions faster, safer, and more convenient. - Paperless Trading and Settlement: Demat Account facilitates paperless trading, enabling investors to buy or sell securities electronically. With the introduction of online trading platforms, investors can now place orders and execute trades through the internet, eliminating the need for physical presence at a stock exchange or broker's office. Additionally, the settlement of trades is swift and efficient, as ownership transfer occurs electronically. - Transparency and Accuracy: Dematerialization has brought greater transparency and accuracy to the Indian capital markets. All transactions, including purchases, sales, and corporate actions like dividends and bonus issues, are recorded and updated in real-time, ensuring that investors have accurate and up-to-date information about their holdings. - Reduced Risks and Frauds: By eliminating physical certificates and their associated risks, Demat Accounts have significantly reduced the chances of securities theft, counterfeiting, and fraudulent practices. The electronic transfer of securities is conducted through secure and regulated systems, minimizing the possibility of unauthorized access or tampering. - Access to Wider Investment Opportunities: Demat Accounts have enabled retail investors to access a wider range of investment opportunities. Besides equities, investors can hold other financial instruments like government securities, bonds, mutual fund units, and exchange-traded funds (ETFs) in electronic form, diversifying their investment portfolios. - IPO and Mutual Fund Participation: Demat Accounts play a crucial role in Initial Public Offerings (IPOs) and mutual fund investments. Shares allotted through IPOs are credited directly to the investor's Demat Account, simplifying the process of listing and trading. Similarly, investments in mutual funds are facilitated through Demat Accounts, allowing investors to hold mutual fund units in electronic form. - Loan Against Securities: A Demat Account allows investors to avail loans against their securities, providing them with liquidity without the need to sell their holdings. This feature is particularly useful during times of financial need or when investors want to avoid capital gains tax implications. Benefits of Demat Account for Investors: - Convenience and Accessibility: Investors can access their Demat Accounts online through web portals or mobile applications, making it convenient to track holdings, place trades, and access statements from anywhere at any time. - Safe and Secure: Demat Accounts are maintained by registered depository participants (DPs) under the supervision of the Depositories (NSDL and CDSL). The depositories are regulated by SEBI, ensuring the safety and security of investor holdings. - Reduced Transaction Costs: The elimination of paperwork and physical handling has led to a reduction in transaction costs associated with stamp duty, courier charges, and other administrative expenses. - Electronic Record Keeping: Demat Accounts provide a comprehensive electronic record of all transactions, holdings, and corporate actions, making it easy for investors to track and manage their portfolios. - Faster Settlement: Dematerialized securities facilitate faster settlement of trades, allowing investors to receive the proceeds from their sales or the allotted shares from IPOs without delays. - Nomination Facility: Investors can nominate beneficiaries for their Demat Accounts, ensuring that their holdings are smoothly transferred to the nominees in the event of their demise. Role of Demat Account in Shaping the Investment Ecosystem: The introduction of Demat Accounts has been a transformative milestone in the Indian investment ecosystem. It has played a pivotal role in shaping the following aspects of the financial markets: - Inclusion and Participation: Demat Accounts have facilitated greater inclusion of retail investors in the securities market. The ease of opening and operating a Demat Account has encouraged individuals from various demographic segments to participate in equity and other financial markets. - Market Efficiency: The move from physical to electronic holding and settlement of securities has enhanced the overall efficiency of the capital markets. Faster settlements, reduced paperwork, and transparent tracking of transactions have led to improved market operations. - Technology and Innovation: The advent of Demat Accounts has driven technological advancements in the financial services sector. Online trading platforms, mobile applications, and seamless integration with banking services have become standard offerings to enhance investor experience. - Integration with Banking: Demat Accounts are closely integrated with investors' bank accounts, allowing for easy fund transfers for trading and investments. This integration has streamlined the entire investment process, providing investors with a seamless experience. Conclusion: The Demat Account has revolutionized the Indian capital markets by replacing cumbersome physical share certificates with electronic records. It has brought efficiency, convenience, and transparency to trading and investment processes. With its significance in eliminating risks, facilitating paperless transactions, and ensuring accurate record-keeping, the Demat Account has empowered investors to access a broader range of investment opportunities and participate actively in the Indian financial markets. Its role in shaping the investment ecosystem by encouraging inclusion, driving technological innovation, and integrating with banking services has made it an indispensable tool for investors, traders, and the financial industry as a whole. As India's capital markets continue to grow, the Demat Account remains a fundamental element in transforming the landscape of securities trading and investment in the country Read the full article

[estartup2017]

Best and powerful ways to get funding opportunities in 2022.

Nearly 94% of newly formed companies fail in their first year of their existence According to an investigation conducted recently. One of the main causes is a lack funds. The lifeblood of a business is cash. But the majority of startups fail to raise funds due to a lack of knowledge and proper guidance. This article will discuss the best and effective methods to gain funding opportunities by 2022.

A list of powerful ways to secure funding in 2022

Crowdfunding

Crowdfunding is an incredibly new way of obtaining capital for new businesses however, it is rapidly becoming popular. In another way, it's similar to borrowing money from multiple people at the same time.

Entrepreneurs post an extensive description of his company on a crowdfunding platform. The company's goals as well as plans for profit and how much cash is required and the reasons for it, and other details will be posted for the public to view.

If they're interested by the concept, they'll consider donating. People who wish to donate money online will sign online pledges that include the promise of pre-ordering the items or making a donation. Anyone is able to contribute financially to a business they are a part of.

Financial institutions may offer loans.

The banks' loans may be the best choice for entrepreneurs needing funding. Although lending regulations have become more difficult over the years There are usually special funds set aside for small-sized businesses, contingent on the banks.

In India it is possible to get an smaller business credit online without rigid restrictions. Additionally, you must apply for an the MSME Certificate for your business , if you're qualified.

MSME Registration offers several benefits such as Bank Loans with no collateral.

Angel Investment Opportunities

People who are wealthy, referred to by the name of "angel investors," put their money and efforts into new ventures in the hope of seeing them succeed.

They get a small ownership stake in the business as a reward for their investment. In exchange, they have a stake in the business. They do this in the hope that the company will be successful and their ownership stake in the company will increase dramatically in value.

It is vital to keep in mind that you need to possess a unique and unique Proposal Deck that is well-designed and easy to draw in angel investors.

Venture Capital Investment

They are professionally managed funds that invest their money in businesses that have huge potential. In the majority of cases they invest in equity in a business and offer their stock in the case the company goes through an IPO or acquisition. These are commonly referred to by the name of Venture Capitalists. In particular the venture capitalists (VCs) can provide information or guidance, as well as an assessment of where an organization's future direction and assess the business in a long-term sustainable standpoint.

Small businesses that have advanced beyond the initial stage and are generating income could be a suitable choice for venture capital investments.

Connections between accelerators and incubators

Accelerator and Incubator programmes can be viable options for funding companies in the early stages. Numerous cities also have similar programs that each year assist hundreds of startups to get their feet on the ground.

Although these two names are frequently used to refer to the same thing, there are some subtle differences between the two. Like a father would do to an infant, incubators help the business by providing a safe space, the necessary resources, as well as a solid network. When you are the beginning of a new venture incubators can help companies get walking, and accelerators assist it to move forward and take a big leap ahead.

A time commitment is for business owners to participate in these programs generally lasting 4-8 months.

Conclusion

It is essential to fund every company. In India there are plenty of avenues to obtain funding to start your business. But, you must ensure that you find the most suitable option for you and make sure you have the appropriate tools available to take advantage of the opportunities.

[taxationplanning]

Credila IPO: Credila To Bring IPO, Submitted Papers To SEBI

Credila IPO: Credila To Bring IPO: Submitted Papers To SEBI Credila IPO: Education loan-focused financial company Credila Financial Services Ltd. has filed papers with market regulator SEBI for an IPO through the confidential pre-filing route. The confidential pre-filing route allows the company to prevent public disclosure of details under the DRHP. In a public announcement, Credila said it…

[yepic]

Chipotle Mexican Grill, Inc. (/tʃɪˈpoʊtleɪ/, chih-POHT-lay),[7] often known simply as Chipotle, is an American chain of fast casual restaurants in the United States, United Kingdom,[8] Canada,[9][10] Germany,[11] and France,[12] specializing in tacos and Mission burritos.[13][14] Its name derives from chipotle, the Nahuatl name for a smoked and dried jalapeño chili pepper.[15] The company trades on the New York Stock Exchange under the ticker symbol CMG.[16]

Chipotle is one of the first chains of fast casual dining establishments.[17] Competitors in the fast-casual Mexican market include Qdoba Mexican Grill, Moe's Southwest Grill, Rubio's Coastal Grill, and Baja Fresh.[18] Founded by Steve Ells on July 13, 1993, Chipotle had 16 restaurants (all in Colorado) when McDonald's Corporation became a major investor in 1998. By the time McDonald's fully divested itself from Chipotle in 2006,[19] the chain had grown to over 500 locations. With more than 2,000 locations, Chipotle had a net income of US$475.6 million and a staff of more than 45,000 employees in 2015.[3]

In May 2018, Chipotle announced the relocation of their corporate headquarters to Newport Beach, California, in Southern California, ending their relationship with Denver after 25 years. Founder Steve Ells attended the Culinary Institute of America in Hyde Park, New York. Afterward, he became a line cook for Jeremiah Tower at Stars in San Francisco.[20] There, Ells observed the popularity of the taquerías and San Francisco burritos in the Mission District. In 1993, Ells took what he learned in San Francisco[21] and opened the first Chipotle Mexican Grill in Denver, Colorado, in a former Dolly Madison Ice Cream store at 1644 East Evans Avenue,[22] near the University of Denver campus, using an $85,000 loan from his father.[19] Ells and his father calculated that the store would need to sell 107 burritos per day to be profitable. After one month, the original restaurant was selling over 1,000 burritos a day.[16] The second store opened in 1995 using Chipotle's cash flow, and the third was opened using an SBA loan. To fund more growth, Ells' father invested $1.5 million. Afterwards, Ells created a board of directors and business plan, raising an additional $1.8 million for the company.[23] Ells had originally planned to use funds from the first Chipotle to open a fine-dining restaurant, but instead focused on Chipotle Mexican Grill when the restaurants saw success.[24][25]

In 1998, the first restaurant outside of Colorado opened in Kansas City, Missouri.[26] The company opened its first location in Minnesota by opening near the campus of the University of Minnesota in Minneapolis in March 1999.[27]

In 1998, McDonald's made an initial minority investment in the company. By 2001, the company had grown to be Chipotle's largest investor.[19] The investment from McDonald's allowed the firm to quickly expand, from 16 restaurants in 1998 to over 500 by 2005.[28] On January 26, 2006, Chipotle made its initial public offering (IPO) after increasing the share price twice due to high pre-IPO demand. In its first day as a public company, the stock rose exactly 100%, resulting in the best U.S.-based IPO in six years, and the second-best IPO for a restaurant after Boston Market. The money from the offering was then used to fund new store growth.[29]

In March 2005, Monty Moran was appointed president and chief operating officer of Chipotle while Ells remained chairman and CEO.[30]

In October 2006, McDonald's fully divested from Chipotle.[31] This was part of a larger initiative for McDonald's to divest all of its non-core business restaurants — Chipotle, Donatos Pizza, and Boston Market — so that it could focus on the main McDonald's chain.[32] McDonald's had invested approximately $360 million into Chipotle, and took out $1.5 billion.[23] McDonald's had attempted to get Chipotle to add drive-through windows and a breakfast menu, which Ells resisted.[33][34] In 2008, Chipotle opened its first location outside of the United States in Toronto.[10]

In January 2009, president and chief operating officer Monty Moran was promoted to co-CEO, a position that he would share with Ells, while Moran retained his president position.[35]

In a list of fastest-growing restaurant chains in 2009, Chipotle was ranked eighth, based on increases in U.S. sales over the past year,[36] and in 2010 Chipotle was ranked third.[37] Consumer Reports ranked Chipotle as the best Mexican fast-food chain in 2011.[38] The company serves approximately 750,000 customers per day.[39]

In December 2010, Chipotle hired chef Nate Appleman to develop new cuisine. Appleman has won Rising Star Chef from the James Beard Foundation, was named "Best New Chef" by the Food & Wine magazine, and competed on The Next Iron Chef.[40]

In 2010, U.S. Immigration and Customs Enforcement (ICE) audited Chipotle's Minneapolis restaurants, and found that some employees had been hired using fraudulent documents. In December, Chipotle fired 450 employees from its Minneapolis restaurants as a result of the audit, resulting in protests by local groups.[41][42] In February 2011, ICE expanded the audit to include 60 restaurants in Virginia and Washington, D.C.[43] which resulted in 40 workers being fired. In April 2011, the criminal division of the attorney general's office in Washington, D.C., joined the case, and ICE agents began interviewing employees at 20 to 25 restaurants in other locations, such as Los Angeles and Atlanta.[44] In response to the government investigations, Chipotle hired former director of ICE Julie Myers Wood and high-profile attorneys Robert Luskin and Gregory B. Craig.[45]

In December 2016, Chipotle announced that co-CEO Monty Moran has stepped down from his role effective immediately with Ells becoming the sole CEO.[46][47] Eleven months later, Ells announced in November 2017 that he would be stepping down as CEO.[48]

In December 2017, Chipotle announced it signed a 15-year lease and in late 2018 will move around 450 corporate employees – currently housed in multiple buildings around downtown Denver – into the new 1144 Fifteenth Tower and occupy around 126,000 square feet or 5 floors of the 40-story tower.[citation needed]

In February 2018, Chipotle announced that Taco Bell CEO Brian Niccol would replace Ells as CEO starting on March 5 while Ellis would retain his chairman position.[49] Many industry analysts praised Niccol's appointment saying that Chipotle "needed new blood."[50] Chipotle stock went up $30.27, or 12.04%, as a result of the announcement. However, other analysts criticized the announcement by saying that "the move goes against everything the burrito chain stands for."[51]

In May 2018, Chipotle announced that it would relocate headquarters from Denver to Newport Beach, California in Southern California. Corporate functions handled in their Denver and New York offices would move to Newport Beach or to an existing office in Columbus, Ohio. This move would impact 400 workers, some being offered relocation and retention packages.[52]

In June 2018, the company announced the closing of 65 under-performing restaurants.[53][54]

Other restaurant expansion[edit]

In 2011, Steve Ells was a judge for the TV show America's Next Great Restaurant and investor of ANGR Holdings, the company that will be running the winning concept's restaurants. Chipotle has agreed to purchase Ells' investment in ANGR at his cost, provide support for ANGR operations, and invest a total of $2.3 million in cash contributions.[55] The winning concept, Soul Daddy, was quickly closed after operating for less than 5 weeks.[56]

In September 2011, Chipotle opened an Asian fast-casual concept restaurant named ShopHouse Southeast Asian Kitchen in Washington, D.C.[57] The company has said the new restaurant "would follow the Chipotle service format and its focus on 'food with integrity' in ingredients."[58] Chipotle's plan was to start with only one store, and see how the restaurant works out before expanding the concept.[59]

On December 18, 2013, the company revealed that it had opened its first fast-food pizza chain in Denver back in May 2013. According to Associated Press, Chipotle partnered with a local full-service restaurant called Pizzeria Locale to create a fast-food version of the eatery, keeping its name. The company plans to open at least two more pizzerias in the Denver area.[60]

In April 2014, Chipotle announced an increase in menu prices for the first time in nearly three years, due to increasing costs for steak, avocados, and cheese. The price increase was expected to be rolled out from the end of second quarter of 2014 through the end of the third quarter.[61] In late 2015, Chipotle expanded its mobile strategy through delivery partnerships with tech startups like Tapingo, a delivery service that targets college campuses.[62]

On July 29, 2016, the company announced the opening of its first Tasty Made burger restaurant in the fall. Chipotle was still dealing with the various virus outbreaks with additional marketing. The company was also reducing the number of new stores for the year from 235 to 220.[63]

The newer restaurant concepts did not perform as well as expected so that ShopHouse Southeast Asian Kitchen and Tasty Made were respectively closed in March 2017[64] and February 2018[65] leaving only Pizzeria Locale operating besides the parent company.

International[edit]

According to an article in The Motley Fool, Chipotle had 17 locations outside of the United States by October 2014 with the majority in Canada, and the UK was in the process of opening more locations.[66] The rate of overseas expansion was slower than expected.[67] Many of the press reviewers thought that the food was overpriced for their area.[12][68]

As of 2018 there are 33 locations outside of the United States with 19 locations in Canada (Ottawa, Toronto, Markham, Vaughan, Mississauga, Oakville, Vancouver), 6 locations in The United Kingdom (London), 6 in France (Paris), and 2 in Germany (Frankfurt).[better source needed][3][69]

Canada[edit]

Chipotle Mexican Grill in Canada

In August 2008, Chipotle opened its first location outside of the United States in Toronto.[10] The second location in Toronto–and in all of Canada–was not opened until 2010.[67]

The first Canadian location outside of the Toronto area was opened in Vancouver in December 2012.[70] A second Vancouver-area location was opened in Burnaby in October 2014[71] followed by a third in Surrey in January 2016,[72] a fourth in Langley in October 2016,[73] and a fifth in West Vancouver in March 2018.[74]

The first location in the nation's capital of Ottawa was opened in February 2017 at the Rideau Centre.[75]

Chipotle rapidly expanded in the Greater Toronto area, and is still opening new locations.[citation needed] As of 2018, there are 11 locations in Toronto, 2 in Vaughan, 2 in Mississauga, 1 in Oakville, and 1 location in Markham.

United Kingdom[edit]

The second Chipotle Mexican Grill location in London, located on Baker Street

Chipotle expanded to Europe with the first European restaurant opening in May 2010 in London.[8][76][77] A second location opened in London in September 2011.[78] The following year, three additional locations were quickly opened in the London area.[79] After this growth spurt, the rate of further expansion in London slowed greatly with the sixth location appearing in 2013[80] and the seventh in June 2015.[81] Although Chipotle blames the slow growth in the United Kingdom on the British unfamiliarity with Mexican foods,[82] several locally owned burrito chains had opened locations across the United Kingdom during the same interval.[83]

France[edit]

The first location in France opened in Paris in May 2012.[12][84]

Expansion in France was much slower than that in the United Kingdom or Canada, with a second location in Paris opening in 2013[85] and a third location in 2014.[86] At 7,000 square feet, the restaurant at La Défense is, as of 2015, the largest Chipotle location in the world, while a typical Chipotle restaurant is usually between 2,200 and 2,500 square feet.[87] A fourth Parisian location was opened in Levallois-Perret in 2015[88] followed by a fifth[89] and a sixth[90] Parisian location in 2016, both in Saint-Germain-des-Prés.

Germany[edit]

The first location in Germany opened up in Frankfurt's Skyline Plaza shopping mall in August 2013.[11][68]

A second location opened in Frankfurt's MyZeil shopping mall in April 2019.[91]

Corporate management[edit]

Chipotle's team includes a residing corporate office of managers and its board of directors. Members of both teams are appointed to serve on committees: audit, compensation, and nominating and corporate governance.

The top management team consisted of the chief executive officer, Steve Ells; the chief financial officer, Jack R. Hartung; the chief marketing and development officer, Mark Crumpacker.[92] The current board of directors consists of: Ells, Patrick Flynn, Albert Baldocchi, Neil Flanzraich, Darlene Friedman, Stephen Gillet, Kimbal Musk and John Charlesworth.[93] On March 14, 2018, it was reported that Mark Crumpacker, who had previously been charged in a 2016 cocaine ring indictment, would be leaving the company.[94]

Ells serves as chairman of the company, and served as Chief executive officer until November 2017.[95][48] He has a 1.25% stake in the company.[96] The labor-market research firm Glassdoor reported that Ells earned $29 million in 2014, versus a median of $19,000 for Chipotle's workers, making the CEO-to-worker pay ratio 1522:1.[97]

On February 13, 2018, Chipotle announced that Taco Bell CEO Brian Niccol would replace Ells as CEO starting on March 5 while Ells would retain his chairman position.[49]

On March 6, 2020, Ells resigned as chairman and left the board of directors, breaking his final ties to the company. At the same time, Niccol was appointed chairman and the size of the board was reduced from 10 to 7 directors.[98][99]

Operation and distribution[edit]

All of Chipotle's restaurants are company-owned, rather than franchised.[100] As of December 2012, 1430 restaurants have since opened throughout the United States and Canada, with locations in 43 states, Ontario, British Columbia, and the District of Columbia.[101][102]

The field team are the employees who work closely with but not directly within specific restaurants. The field support system includes apprentice team leaders (step up from restaurateurs), team leaders or area managers, team directors and regional directors (not atypical for them to oversee more than fifty locations).[103] Because Chipotle does not franchise, all restaurants are corporately owned. Thus, whenever Chipotle is in the process of launching a new location, the field team hires a new general manager and trains them at a current location so that they will be ready for the new location when it opens for business. The corporate office takes care of finding and funding new locations as well.[104]

Menu[edit]

A Chipotle restaurant in Brandon, Florida, having the typical service-line layout with menu above

Chipotle's menu consists of five items: burritos, bowls, tacos, quesadillas, and salads. The price of each item is based on the choice of chicken, pork carnitas, barbacoa, steak, carne asada, tofu-based "sofritas",[105][106] or vegetarian (with guacamole, which would be at an extra charge otherwise). Additional optional toppings are offered free of charge, including: rice, beans, four types of salsa, sour cream, cheese, and lettuce.[107][108]

Chipotle regular sized chips and queso with a side of sour cream.

When asked in 2007 about expanding the menu, Steve Ells said, "[I]t's important to keep the menu focused, because if you just do a few things, you can ensure that you do them better than anybody else."[109] Chipotle also offers a children's menu.[110][111] Most restaurants sell beer and margaritas in addition to soft drinks and fruit drinks.[112]

The majority of food is prepared in each restaurant. Some exceptions are the beans and carnitas, which are prepared at a central kitchen in Chicago, Illinois.[113] None of the restaurants have freezers, microwave ovens, or can openers.[114]

Chicken Burrito Bowl

The chain experimented with breakfast foods at two airports in the Washington (D.C.) metropolitan area but decided against expanding the menu in that direction.[115][116][117] Starting in 2009, selected restaurants had offered a pozole soup,[118][119][120] which has since been discontinued.

In June 2015, Chipotle began test marketing a pork and chicken chorizo-type sausage as a new protein option at selected locations in the Kansas City area.[121][122][123] Some food writers have expressed their health related concerns over the protein's relatively high sodium content since a 4-ounce serving contains 293 calories and 803 milligrams of sodium[124] while the American Heart Association’s recommended daily amount is less than 1,500 milligrams of sodium.[125] In contrast, the protein options with next highest sodium contents are Barbacoa with 530 milligrams and sofritas with 555 milligrams.[124] An earlier version on the Mexican sausage was tested in Denver and New York City in 2011,[126] but that test was terminated when that version of the sausage was perceived as looking too greasy.[127] Chorizo was discontinued in September 2017[128] but was returned to the menu in the following year for a limited time.[129]

In July 2020, Chipotle began test marketing a cauliflower rice option at 55 locations in Colorado and Wisconsin.[130]

Chipotle accepts fax orders, and in 2005 the company added the ability to order online from their website. For both online and fax orders, customers proceed to the front of the line to pay for pre-ordered food.[131] In 2009, Chipotle released an app for the iPhone that allows users to find nearby Chipotle locations, place an order, and prepay with a credit card.[132] In 2013, Chipotle released an Android app that allows users to locate nearby Chipotle locations, place an order, prepay with a credit or gift card, and access favorites and recent orders.[133][134]

Nutrition[edit]

In 2003, a Center for Science in the Public Interest report stated that Chipotle's burritos contain over 1,000 calories, which is nearly equivalent to two meals' worth of food.[135][136] MSNBC Health.com placed the burritos on their list of the "20 Worst Foods in America" because of their high caloric content and high sodium.[137] When a burrito with carnitas, rice, vegetables, cheese, guacamole, and salsa was compared with a typical Big Mac, the burrito had more fat, cholesterol, carbohydrates, and sodium than the Big Mac, but it also had more protein and fiber.[138] The restaurant has also received praise – Health.com included the restaurant in its list of the "Healthiest Fast Food Restaurants".[139]

Chipotle's vegetarian options include rice, black beans, fajita vegetables (onions and bell peppers), salsa, guacamole and cheese.[140] All items other than the meats, cheese, sour cream, and honey vinaigrette dressing are vegan.[140] As of late 2013, Chipotle developed a new cooking strategy for the pinto beans, eliminating the bacon and making them vegetarian and vegan-friendly.[141] The cheese is processed with vegetable-based rennet in order to be suitable for vegetarians.[140] In April 2010, Chipotle began testing a vegan "Garden Blend" option, which is a plant-based meat alternative marinated in chipotle adobo, at six locations in the U.S.[142][143] The flour tortillas used for the burritos and soft tacos are the only items that contain gluten.[140]

Food sourcing[edit]

In 1999, while looking for ways to improve the taste of the carnitas,[20] founder Steve Ells was prompted by an article written by Edward Behr to visit Concentrated Animal Feeding Operations (CAFOs).[144] Ells found the CAFOs "horrific", and began sourcing from open-range pork suppliers. This caused an increase in both the price and the sales of the carnitas burritos.[76]

In 2001, Chipotle released a mission statement called Food With Integrity, which highlighted Chipotle's efforts to increase their use of naturally raised meat, organic produce, and dairy without added hormones.[7] Chipotle only uses the leg and thigh meat from its chickens; the breast meat is sold to Panera Bread.[145]

Customers at a Chipotle restaurant in Fredericksburg, Virginia

Ells has testified before the United States Congress in support of the Preservation of Antibiotics for Medical Treatment Act, which aims to reduce the amount of antibiotics given to farm animals.[76][146]

Since 2006, the Coalition of Immokalee Workers (CIW), a Floridian farmworker organization, has protested Chipotle's refusal to sign a Fair Food agreement, which would commit the restaurant chain to pay a penny-per-pound premium on its Florida tomatoes to boost tomato harvesters' wages, and to only buy Florida tomatoes from growers who comply with the Fair Food Code of Conduct.[147] In 2009, the creators of the documentary film Food, Inc. (along with 31 other leaders in the sustainable food movement) signed an open letter of support for the CIW's campaign, stating that, "If Chipotle is sincere in its wishes to reform its supply chain, the time has come to work with the Coalition of Immokalee Workers as a true partner in the protection of farmworkers rights."[148] In September 2009, Chipotle announced that it would sidestep partnership with the CIW and instead work directly with East Coast Growers and Packers to increase wages for its tomato pickers.[149] Ells framed the dispute as a fundamental issue of control, stating that, "the CIW wants us to sign a contract that would let them control Chipotle's decisions regarding food in the future."[150] In October 2012, Chipotle signed an agreement with the CIW and became the 11th company to join the organization's Fair Food Program.[151]

In January 2015, Chipotle pulled carnitas from its menu in a third of its restaurants; company officials cited animal welfare problems at one of the suppliers, found during a regular audit, as the reason.[152] Subsequently, a false rumor spread online claiming it was done to appease Muslims who consider pork to be unclean, leading to some protests on social media.[153] The company still uses antibiotic-free and hormone-free steak in its restaurants, despite being briefly forced to "serve beef that is not naturally raised" during the summer of 2013, posting an in-store notice each time that occurred.[154] Roberto Ferdman of The Washington Post opined that Chipotle's stated mission to sell "food with integrity" may be "untenable" if meat producers continue to breach Chipotle's ethical standards.[152]

Also in 2015, Chipotle stopped using genetically modified corn and soy beans in their foods, claiming to be the first nationwide restaurant to cook completely GMO free.[155] This was done in response to increasing consumer demand for GMO free products.

Food safety[edit]

External video "How Chipotle made hundreds of people barf". Vox report dated January 6, 2016, explaining Chipotle's "food safety crisis".

Since 2008, a former Kansas State University food safety professor has accused Chipotle of confusing the public by using such terms as "naturally raised meats", "organic ingredients", and "locally sourced" and trying to equate those terms with food safety.[156] In rebuttal, a Chipotle spokesperson told The Daily Beast that "all of our practices have always been very much within industry norms. It's important to note that restaurant practices are regulated by health codes, and restaurants are routinely inspected by health officials. Everything we have done in our supply chain and in our restaurants has been within industry norms."[156] Yet, FiveThirtyEight pointed out that the 2015 norovirus outbreak appears to be unusual[157] and others are criticizing their food sourcing or handling practices.[158][159] MarketWatch wrote that the result of all of these outbreaks will be to force Chipotle to obtain their produce from larger corporate farms that can afford the more extensive microbial food-safety testing programs and to process vegetables at centralized locations instead of at the individual stores, both of which are industry-standard practices that the company had previously criticized.[160] The New York Times implied that the company's insistence on maintaining its long standing rhetoric about "food integrity" seemed to be quite opposite with the realities of recent current events and made it appear that the management was just ignoring their current problems.[161] It also has been pointed out that Chipotle's current record-keeping system is actually hindering the health authorities' investigation in locating the sources of the various infections.[161]

A writer for the magazine Popular Science pointed out that Chipotle had publicly acknowledged that they "may be at a higher risk for food-borne illness outbreaks than some competitors due to our use of fresh produce and meats rather than frozen, and our reliance on employees cooking with traditional methods rather than automation."[162][163][164] Henry I. Miller, a medical researcher and columnist and the founding director of the FDA's Office of Biotechnology, asked: "One wonders whether Chipotle’s "traditional methods" include employees' neglecting to wash their hands before preparing food, which is how norovirus is usually spread. And the fresh versus frozen dichotomy is nothing more than a snow-job. Freezing E. coli-contaminated food does not kill the pathogens; it preserves them."[165] Describing food poisoning outbreaks as "something of a Chipotle trademark; the recent ones are the fourth and fifth this year [2015], one of which was not disclosed to the public", Miller notes that "a particularly worrisome aspect of the company's serial deficiencies is that there have been at least three unrelated pathogens in the outbreaks – Salmonella and E. coli bacteria and norovirus. In other words, there has been more than a single glitch; suppliers and employees have found a variety of ways to contaminate what Chipotle cavalierly sells (at premium prices) to its customers."[165]

A writer for the North Carolina newspaper The News & Observer called Chipotle's "food with integrity" a "lucrative farce" and a "marketing ploy" by pointing out that organic food is "often grown with manure (an 'all-natural' fertilizer), which can certainly increase the risks of accidentally spreading fecal bacteria like E. coli."[166]

In December 2015, Seattle health officials closed a Seattle-area Chipotle for a day after it had repeatedly had small numbers of violations during recent consecutive inspections that previously would not have generated a closure order.[167] On December 10, 2015, CEO Steve Ells released a press statement apologizing for 2015 outbreaks and promised changes to minimize the risks of future outbreaks.[168]

March 2008 hepatitis outbreak[edit]

In March and April 2008, the Community Epidemiology Branch of the San Diego County Health and Human Services Agency traced a hepatitis A outbreak in San Diego County to a single Chipotle restaurant located in La Mesa, California in which 22 customers were infected with the virus.[169][170]

April 2008 norovirus outbreak[edit]

In 2008, Chipotle was implicated in a norovirus outbreak in Kent, Ohio, where over 400 people became ill after eating at a Chipotle restaurant.[171] Officials at the Ohio Department of Health said that the outbreak was caused by Norovirus Genotype G2.[172] Many of the victims were students at Kent State University.[173] The initial source of the outbreak was never found.

February 2009 Campylobacter jejuni outbreak[edit]

In 2009, an investigation by the Minnesota Department of Health traced an outbreak of campylobacteriosis to a Chipotle Mexican Grill in Apple Valley, Minnesota.[174][175][176] The investigation found that chicken was sometimes served undercooked by the restaurant and determined that lettuce which had been cross-contaminated with raw or undercooked chicken was the vector for the outbreak.[177][178][third-party source needed]

July 2015 E. coli outbreak[edit]

In early November 2015, The Oregonian reported that there was a little-known E. coli outbreak that had occurred earlier in July in which five people were infected with the O157:H7 strain of E. coli. The outbreak was traced to a single Chipotle location in Seattle and that the incident was not publicized at that time.[179][180] Seattle public health officials defended their actions at that time by saying that the outbreak was over by the time they made an association with Chipotle. Health officials were unable to trace the source of the July outbreak and said that the cause of the July outbreak is unrelated to the October/November outbreak.[179]

August 2015 norovirus outbreak[edit]

Another norovirus outbreak was confirmed to have occurred in August 2015 at a Simi Valley, California location in which 80 customers and 18 employees reported becoming ill.[181][182] Ventura County health inspectors found various health violations during two inspections following the outbreak report.[183] Despite those violations, the county health officials did not close the restaurant and allowed it to continue to operate.[181] In a January 2016 article, The New York Times reported that the number of victims involved in the Simi Valley norovirus outbreak was actually 207, twice the number that was reported earlier.[184]

In an unusual move, the U.S. Attorney's Office for the Central District of California in conjunction with the Food and Drug Administration has gotten a federal grand jury to issue a subpoena in January 2016 as part of a criminal investigation seeking documents and information from Chipotle concerning the Simi Valley norovirus outbreak.[184][185] As of January 2016, it is too early to tell which organization is the actual target of the investigation. In most cases involving norovirus outbreaks that involved a single location, state and/or local authorities are the usual jurisdiction responsible in the investigation and prosecution of those type of cases. However, Ventura County officials had been criticized for their handling of parts of their investigation, and for allowing the restaurant to continue to operate after finding health violations during consecutive inspections.

Less than two weeks later, a federal class action lawsuit was filed in the U.S. District Court for the Central District of California claiming that Chipotle knowingly allowed an ill kitchen manager to work for two days before sending that person home. Then, the restaurant actively deep-cleaned the restaurant to remove all traces of contamination prior to notifying the Ventura County Environmental Health Division of the existing outbreak, hindering their investigation. The lawsuit also claimed that the number of known victims was as high as 234 and estimates that the number of meals that the infected employee may have come in contact with could be as high 3,000.[186][187][188]

August 2015 Salmonella outbreak[edit]

At almost the same time as the Simi Valley norovirus outbreak, Minnesota health officials confirmed a Salmonella outbreak that affected 17 Minneapolis-area Chipotle restaurants in mid-August 2015. The source of the outbreak was traced back to contaminated tomatoes that were grown in Mexico.[189][190] The Minnesota Department of Health reported that samples from 45 victims were tested and found that their illness was caused by the Salmonella Newport bacterium as determined by DNA profiling.[191] Later, the state officials reported that the total of persons who became infected was increased to 64 and the number Chipotle locations in which they had acquired the bacterium was increased to 22, all located within the state of Minnesota.[192]

October 2015 E. coli outbreak[edit]

In October 2015, at least 22 people were reported to have gotten sick after eating at several different Chipotle locations in the states of Washington and Oregon. At that time, an epidemiologist for the Washington State Department of Health said the culprit appeared to be a Shiga toxin-producing Escherichia coli bacterium, but they were still waiting the outcome of several laboratory tests before they could give a definitive result.[193][194][195] As a precaution, Chipotle had closed 43 stores in Washington and Oregon pending the results and recommendations of the involved health authorities. On November 5, the U.S. Centers for Disease Control and Prevention (CDC) had reported that the number of persons reported ill had risen to 40 known cases and that the bacteria samples taken from 7 infected persons in Washington and 3 persons in Oregon states were confirmed to be infected by the same strain of E. coli, the Shiga toxin-producing STEC O26 strain, as determined by DNA profiling.[196] At least 12 persons required hospitalization, but no fatalities. As of November 2015, Health authorities were still trying to trace the exact source of the bacterial contamination, but suspected fresh produce.[197]

On November 12, the CDC increased the number of known cases to 50, the number of persons requiring hospitalization to 14, and the number of DNA fingerprint confirmations to 33.[198] Through a match via Pulsenet, the DNA fingerprint also matched a recent case in Minnesota, but the ill person did not eat at Chipotle. The source of the bacteria infection still had not yet been determined at the time of the report released by the CDC and the CDC is trying to use the more definitive, but more time-consuming whole genome sequencing procedure to see if they are able to determine the relationships between all of the STEC O26 cases. In the meantime, Chipotle reopened the closed restaurants on November 11 after disposing all of the food within the closed facilities and deep cleaning those facilities.[199]

On November 20, the CDC reported that the number of STEC O26 cases, as determined by DNA fingerprinting, had increased to 45 with 16 persons requiring hospitalization and the total number states being affected had increased to six.[200] Besides Oregon and Washington, new cases were reported in the states of Minnesota, California, New York, and Ohio.[201] 43 out of 45 of the affected individuals had reported that they had eaten at a Chipotle in the week before they had become sick.

On December 4, the CDC reported that the number of STEC O26 cases, as determined by DNA fingerprinting, had increased to 52 with 20 persons requiring hospitalization and the total number states being affected had increased to nine.[202] New cases were reported in the states of California (1), Illinois (1), Maryland (1), Ohio (2), Pennsylvania (1), and Washington (1).[203]

The price of shares for Chipotle stock dropped a further 12% immediately after the CDC had issued their update on November 20.[204] Share prices had been dropping since the initial announcement of the E. coli outbreak in late October with investors unsure if the drop in share prices just a temporary aberration and that Chipotle management is handling the incident as well as they could. Chipotle has since hired a consultant to improve their food safety program and have their program reviewed by both the CDC and FDA.[205]

On February 1, 2016, the CDC official closed their investigations on the larger E. coli that started in Pacific Northwest in October 2015 and also the smaller outbreak that started in Kansas and Oklahoma in November since no new cases were reported since December 1.[206] In their final report, the CDC stated that 55 persons in 11 states were infected with the same strain of STEC O26 during the major outbreak with 21 of those persons requiring hospitalization. The five persons infected in the later outbreak were made ill by a genetically different strain of STEC O26. The CDC also reported that federal and local health and food safety authorities were unable to detect traces of the microorganisms in any of the food samples taken from the suspected restaurants or from their supply chain. The CDC, FDA, and the USDA Food Safety and Inspection Service were unable to determine a point source that was in common in the meals that were consumed by all the victims since some of the restaurants were located far apart and had obtained some of their ingredients from different suppliers while other consumers of the suspected suppliers were not affected.

November 2015 E. coli cases[edit]

The Centers for Disease Control and Prevention reported on December 21 that five more people became ill after eating at two Chipotle restaurants located in Kansas and Oklahoma in late November. Preliminary DNA fingerprinting results appear to indicated that the newer cases were caused by a different strain of Shiga toxin-producing E. coli O26. Scientists are waiting for the results of the more definitive whole genome sequencing analyses to determine if the organisms responsible for this outbreak are genetically related to the E. coli that are responsible for causing the outbreak that had started in Oregon and Washington in late October and thus an extension of that outbreak. The agency has not yet determined which food is responsible for the outbreak.[207] The Food and Drug Administration reported that they are trying to determine how the bacteria in these cases, along with the earlier Oregon, Washington, and other multi-state cases, might have been propagated through the food supply chain.[208]

December 2015 norovirus outbreak[edit]

The closed restaurant on December 16, 2015

In December 2015, eighty students at Boston College, including members of the men's basketball team, were sickened after eating at a single Chipotle restaurant. Affected students had been tested for both E. coli and norovirus in order to determine the cause of the illnesses.[209][210] Although it would take as long as two days before the results of more definitive tests became known, public health investigators reported that preliminary tests pointed to the presence of norovirus.[211] The health inspectors for the City of Boston had since closed this particular location on December 7 for a number of health violations that included maintaining meats at a too low of a temperature on the serving line and for allowing a sick employee to work at the time of the inspection.[212]

On December 10, officials from the Boston Public Health Commission reported that tests had identified a single strain of norovirus that is responsible for this particular outbreak.[213] Boston Globe reported on December 10 that 141 persons were reported to have gotten ill and that some of the newer victims had not visited Chipotle before contracting the virus[214] and most likely became infected by being in close proximity to someone who had gotten ill at Chipotle, such as a roommate or dorm-mate.[213] Boston authorities traced the cause of the outbreak to a sick employee who was allowed to work on the day of the outbreak. Chipotle has since fired the employee and also the manager who knowingly allowed the ill worker to complete his shift instead of following health codes.[215]

Consequences of the multiple incidents in 2015[edit]

On February 8, 2016, Chipotle closed all of its eateries nationwide for a few hours during the morning for an all-staff meeting on food safety.[216] The company hired a new head of food safety, who instituted changes including having all employees wash hands every half hour, having two employees verify that produce like onions, jalapeños and avocados have been immersed in hot water for five seconds to kill germs on their exteriors, and using Pascalization to pre-treat food ingredients.[217]

Since the series of food-poisoning outbreaks in 2015 lowered trust in the product, Chipotle has tried to lure back its customers with free food and heavier advertising. Same-store sales increased 17.8% percent in the first quarter of 2017.[218]

July 2017 norovirus outbreak[edit]

Despite corrective actions, the company faced another setback in implementing their safe food policies in July 2017. A norovirus outbreak is being investigated in Virginia. More than 130 people reported having norovirus-like symptoms and two individuals had tested positive for the virus after eating at a Chipotle restaurant in Sterling, Virginia. The Loudoun County Health Department confirmed the illnesses from July 13–16, 2017. Shares of Chipotle's stock stumbled more than 10% on this news[219][220] and also the news that customers had posted videos of mice skittering through a Chipotle restaurant in Dallas just a few days before the norovirus incident was reported.[221][222] On July 25, several news agencies reported that Chipotle officials confirmed that the "recent norovirus outbreak in Virginia was the result of lax sick policy enforcement by store managers" and that the company believed that an employee was the cause of the outbreak.[223][222]

July 2018 Clostridium perfringens outbreak[edit]

In late July 2018, Ohio public health officials launched an investigation after receiving 368 complaints from customers after they had eaten at a Powell, Ohio, location.[224] By mid-August, the U.S. Ce

[deltabusinessadvisors]

2022 was a very good year for LBOs

Even if 2022 didn't come close to 2021, it was still a very good year with over $200 billion in LBO deals. The second largest amount of deals in the past 10 years. A leveraged buyout (LBO) is the acquisition of another company using a significant amount of borrowed money (bonds or loans) to meet the cost of acquisition. The assets of the company being acquired are often used as collateral for the loans, along with the assets of the acquiring company. One of the big stories of 2022 was the collapse in deal activity. IPOs, M&A, and corporate bond deals all shriveled as rising rates and economic uncertainty clobbered markets, Axios' Kate Marino writes. - But, but, but: Remarkably, private equity buyouts just wrapped their second-busiest year in more than a decade — check out that chart above. The big picture: This is one example of the explosive growth of private markets — for both equity and debt — a trend that was well underway even before the pandemic. How it works: PE firms raise money from institutions and wealthy individuals, and in turn, use those funds as down payments to buy companies. - They typically borrow heavily from investment banks to cover the rest of the purchase price for these deals, known as leveraged buyouts (LBOs) — just like a mortgage on a home. By the numbers: PE deal volumes were, of course, down from 2021 — a year that may, in time, turn out to be a colossal Fed-driven anomaly. But last year’s U.S. deal value was still 61% higher than the pre-pandemic average (2013-2019). What happened: PE funds are sitting on record dry powder that they need to deploy into deals — and public companies got a whole lot cheaper to scoop up during 2022’s bear market. - Plus: Private debt funds stepped in to finance the deals when the corporate bond and bank loan market started to seize up around midyear. - The private debt market "is definitely what kept LBO volume going in Q3 and Q4,” Susan Kasser, Neuberger Berman’s co-head of private credit, tells Axios. - As PitchBook wrote last month: “Of the 26 take-privates announced in the US and Europe since early June 2022, not a single one has been funded by banks; they are relying instead on private debt funds or all-equity structures.” Axios Markets By Matt Phillips and Emily Peck · Jan 03, 2023 Read the full article

[twnenglish]

Three Reasons Why Blackberry Failed In The Smartphones Business

In the smartphone sector, it used to be challenging to ignore BlackBerry. At the beginning of the decade, its dominance in this industry was unquestionable, but things swiftly changed. Today's smartphone market is nearly completely devoid of BlackBerry products. Some people lost hope even as the iPhone gained popularity and BlackBerry launched its BlackBerry Messenger (BBM) platform in the App Store.

Success History Of Blackberry

Research in Motion, which had a different name and mission, was the company that preceded Blackberry. The company, which was founded in March 1984, initially concentrated on developing solutions for networking and data technology.

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The company observed a rising interest in creating technologies to support wireless communication. As a result, it began creating an Intel wireless modem in 1993 using RIM modem firmware. RIM, a privately held corporation, immediately looked for a private placement to obtain capital. A $30,000,000 pre-IPO loan was given to RIM thanks to a Canadian company's investment. In 1996, the company unveiled the Inter@ctive Pager 900 after shifting its emphasis to the creation of pagers.

For those who are ignorant of Blackberry's early achievements, the company was viewed as a failing business that ignored its rivals. But early Blackberry success was sizable enough for them to shift away from rivals.

Blackberry introduced its first phone in 1999 and captured the attention of the business community. Blackberry was formerly thought to be absolutely irrational, but it has since changed to represent social status. It was challenging to come across a Blackberry user. If you do, you'll discover that he is a politician, businessman, etc.

RIM 850 and RIM 857 were two further devices released by BlackBerry in 2002. At the time, a desktop computer was necessary to use several services, such as email and internet faxing. Customers could now utilise them on their mobile devices thanks to the launch of these devices, nevertheless.

BlackBerry was the first firm to offer push email on its phones.

In 2013, when there were roughly 85 million BlackBerry customers worldwide, the firm was at its peak. Although others might argue, Blackberry was the first to join the smartphone market and had access to about 50% of the US market.

Since the end of 2013, BlackBerry's situation in the UK has gotten considerably worse. As of May 2021, BlackBerry smartphones barely made up 0.01 percent of the UK smartphone market, according to the same report. BlackBerry's spectacular decline from grace didn't happen overnight. Failures of this kind typically represent the result of years of bad choices. The following list includes three potential authors.

Failure to Adapt: When BlackBerry was at its height, its innovation kept us all on our toes. Instant messaging was revolutionised by BBM, and its hardware helped turn cellphones into mobile minicomputers. But BlackBerry finally gave in to its own stubbornness. The lack of innovation in the touch screen is one of the most obvious examples. One of the factors contributing to the failure of the BlackBerry Storm in the early 2010s was the fact that many users favoured using their keyboards.

The Storm's failure may have influenced BlackBerry's choices for upcoming phones. Unfortunately, by the time Apple and Samsung's devices were more widely used, consumers were ready to adopt touchscreen technology. The failure of BlackBerry to evolve in other areas, including its camera, may also be a contributing factor in the company's death. As we can see, many smartphones now come equipped with cameras that can compete with DSLR and mirrorless models.

Ignoring its rivals and eroding its market share- Another reason for BlackBerry's sharp decline in popularity is that the company didn't give business-oriented BlackBerry phones enough attention. The iPhone was therefore not regarded as a direct rival. The design of BlackBerry's smartphones made it clear that the company wanted to serve business users. Although there were some limitations, you could still read emails, send instant messages, make phone calls, and surf the web.

On the other hand, the other smartphone goliaths looked to the average consumer for the smartphone's future. Ironically, big-company employees likewise desire convenience and accessibility from their smartphones, therefore their devices were all about those things. Over time, consumer-oriented phones became more prevalent in business settings. Additionally, they could carry out every task that BlackBerry devices could, plus a few more. The only choice left was to plunge downward.

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success history of blackberry, blackberry's early success, blackberry users worldwide

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