Aptus feed chart4/8/2023 The research is out there, nothing super insane special secret stuff in those bottles. The chemistry that I speak of is the same chemistry in those bottles. Just because he talked to you for hours doesn't mean he has any idea what he is talking about. Some guys get defensive and say they have "trade secrets". Some are humble enough to tell you they aren't the chemist, and pass you off an email address to get your questions answered. 90+% of those guys are totally full of crap and are passed down a "spiel" from their boss. I've been to damn near every grow expo between California and Colorado in the last 3 years. However I don't think its from some esoteric "magic" that isn't listed on the contents of the bottle. They are providing the right stuff at the right time. If you read every bottle and its ingredients, you can find scholarly articles with research where X% of Y compound used at Z time will increase: yield, vigor, etc. I never said "Don't buy aptus, its crap". I was just trying to provide some insight as to how it works. ![]() I wasn't digging negatively on anyone here or anyone using Aptus. ![]() It undertakes all types of lending activities such as sourcing, underwriting, valuation, and legal assessment of collateral, the credit assessment, and collection.My chemist buddy doesn't make drugs, he consults for mega-warehouse grows, 300-500 lights, and he makes his own nutes. The company offers home loans to retail customers to purchase homes, construct residential property, house improvement and extension, loans against property, and business loans. The company is a retail-focused housing finance company that primarily serves low and middle-income self-employed customers in the rural and semi-urban markets of India. It has also implemented digitized collection models, which has led to an increase in its collection efficiencies. These systems and processes are also technology enabled with a view to ultimately digitize the entire life cycle of a loan from origination to closure. It has leveraged technology in various facets of its operations and has robust systems and processes to assist it with its underwriting and collections functions and to monitor asset quality. This has helped it to reduce subjectivity in forecasting the future income of potential customers, thus enabling robust credit underwriting. It updates these profiles on a frequent basis for regional and local market specific developments and macro disruptions such as the COVID-19 pandemic. Some of its profiles are customized to regions and specific types of employment. Over years, it has studied and developed credit assessment models specific to over 60 types of customer profiles. It conducts all aspects of its lending operations in-house including sourcing, underwriting, valuation and legal assessment of collateral and collections, which enables it to maintain direct contact with its customers, reduce turn-around-times and the risk of fraud. The company has implemented a robust risk management architecture which is reflected in its asset quality. ![]() The company has diversified its geographical presence by adopting a strategy of contiguous expansion across regions and focused on achieving deeper penetration in its existing markets. The company offers customers home loans for the purchase and self-construction of residential property, home improvement and extension loans loans against property and business loans. The company is an entirely retail focussed housing finance company primarily serving low- and middle-income self-employed customer in the rural and semi-urban markets of India. It has and expects to continue to benefit from strong capital sponsors hip and professional expertise of its marquee shareholders. Its marquee shareholders include WestBridge Crossover Fund, LLC, Malabar India Fund Limited (an affiliate of Malabar Investments), SCI Investments VI (an affiliate of Sequoia Capital), Madison India Opportunities IV (Madison India Capital) and Steadview Capital Mauritius Limited (an affiliate of Steadview Capital Management). The company is registered with the National Housing Bank (NHB) to carry out the business of a housing finance institution without accepting public deposits. Anandan, and it commenced its operations pursuant to a certificate for commencement of business, dated June 25, 2010, issued by the Registrar of Companies, Tamil Nadu at Chennai (then known as Registrar of Companies, Tamil Nadu, Chennai, Andaman and Nicobar Islands). Aptus Value Housing Finance was founded by one of its Promoter, Chairman and Managing Director, M.
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