Combine Consultants Pvt Ltd

What Combine Consultants Pvt Ltd does

Combine Consultants Pvt Ltd is a privately-held business consultancy subsidiary of Combine Group, headquartered in Karachi, Pakistan, with 5 employees and operations dating to its 2021 establishment. The firm delivers professional services across four streams: business consultancy (feasibility studies, research, business delegation, marketing, localization, accounting), financial services consulting (NBFC and EMI licensing, investment finance, micro financing, asset management, REIT leasing, venture capital housing, financial reporting, internal auditing, due diligence, joint venturing), business process outsourcing, and technology services (portal and app development, customized ERP solutions, cloud management, process automation). The company explicitly positions itself as a bridge between Pakistani and Chinese commercial interests, leveraging Combine Group's three-country office footprint in Pakistan, China (Zhejiang), and Malaysia.

The go-to-market is sales-led, built on direct consultation appointments and quote-based, project-by-project engagement rather than standardized productized pricing. Target customers include private businesses (primary segment), government contractors, Chinese investors entering Pakistan, NGOs and welfare foundations, and financial services companies seeking licensing support. The firm inherits the Combine Group brand, which has 25+ years of operating history in plastic machinery and trade and documented export reach to 11+ countries.

The business model is professional-services fees, with no disclosed pricing tiers, no software product, and no proprietary technology platform. No revenue, ARR, or financial KPIs are publicly reported, and ownership is entirely family-held (M. Amin Nathani as Chairman and CEO, Ashfaq Nathani as Director and COO) with no external institutional capital. Combine Consultants operates as a service arm within a multi-vertical group that also includes Combine Holding (plastic recycling machinery), Zhejiang Combine Trading, Combine Foundation (non-profit), Colors of Combine (agri-tourism), Pakistan Supply Chain, and Blue Sky Financial Services.

Name

Combine Consultants Pvt Ltd

Legal name

Combine Group Pvt. Ltd.

Website

https://combinegrp.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

1–10 employees

Short description

Combine Consultants Pvt Ltd is a 5-employee Karachi-based business consultancy subsidiary of Combine Group, offering NBFC/EMI licensing, financial advisory, BPO, ERP development, and cross-border advisory primarily to Pakistani private businesses and Chinese investors entering Pakistan.

Ownership category

akta.pro rank

Product category

Business Consulting Services

NAICS

Administrative Management and General Management Consulting Services (541611), Management Consulting Services (54161)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Strategy & Corporate Development Consulting (BPAHACAA)

akta.pro secondary industries

Financial Management & Performance Improvement Consulting (BPAHACAF), Operations & Process Improvement Consulting (BPAHACAB), Customer, Marketing & Sales Consulting (BPAHACAG)

Keywords

• Business consultancy services
• NBFC licensing advisory
• Financial services consulting
• Micro financing advisory
• Business process outsourcing

Headquarters

HQ city

Karachi

HQ country

Pakistan

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Business Consultancy Services: Revenue generated from providing feasibility studies, research, business delegation, marketing, localization, and accounting services to help organizations translate conceptual ideas into reality.
2. Financial Services Consulting: Services include NBFC licensing, investment finance, micro financing, asset management, REIT leasing, venture capital housing, finance & accounts, financial reporting, internal auditing, due diligence, and joint venturing.
3. Business Process Outsourcing: Administrative task handling and business process outsourcing services for clients to focus on core competencies.
4. Technology Services: Portal & app development and customized ERP solutions for business process optimization.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Combine Consultants Pvt Ltd is the business consultancy division of Combine Group, delivering advisory and operational services such as NBFC and EMI licensing support, feasibility studies, micro financing advisory, asset management, due diligence, business transformation, business process outsourcing, and technology implementation including customized ERP solutions, portal and app development, and cloud management. The firm positions itself as a one-stop advisory partner for organizations seeking regulatory, financial, operational, and digital enablement support, with a particular focus on connecting Pakistani and Chinese business communities.

Product overview

Combine Consultants Pvt Ltd operates as a business consultancy division within Combine Group, offering a comprehensive suite of solutions rather than a unified software product. The consultancy provides expert services including business process outsourcing, specialized company licensing, tax and corporate advisory, NBFC and EMI licensing support, process automation, and NGO/welfare foundation setup assistance. Services span financial services (investment finance, micro financing, asset management, REIT leasing, venture capital housing), corporate functions (financial reporting, internal auditing, due diligence, joint venturing, business transformation, business acquisition), and technology solutions (portal and app development, customized ERP solutions, cloud management). The company positions itself as a one-stop shop for business success, with a focus on Pakistani and Chinese market connections.

Differentiator

Problem solved

Functional benefit

Brands

• NBFC Licensing Services: Non-banking financial company licensing services including regulatory compliance and authorization for financial activities
• EMI Licensing

Products and services

• NBFC Licensing Assists organizations in obtaining Non-Banking Financial Company (NBFC) licensing by submitting required documents, meeting compliance criteria, and adhering to regulatory guidelines for authorization to conduct non-banking financial activities. Targeted at financial services companies seeking regulatory authorization.
• Investment Finance Services Provides tailored investment solutions, financial advice, and strategic planning to optimize wealth management, ensuring clients meet their financial goals effectively and efficiently. Targeted at private businesses and institutional investors.
• Micro Financing Advisory Provides small loans and financial services advisory to underserved communities, helping them improve quality of life and create sustainable livelihoods. Targeted at microfinance institutions and NGOs serving low-income populations.
• Asset Management Optimizes returns while minimizing risks of various investments, tailored to individual or institutional objectives. Targeted at private businesses, high-net-worth individuals, and institutional investors.
• REIT Leasing Facilitates renting out properties owned by Real Estate Investment Trusts (REITs) to tenants in exchange for regular rental income. Targeted at REIT operators and real estate investors.
• Venture Capital Housing Advisory Manages investments made by venture capital firms into startups and emerging companies within the housing sector. Targeted at venture capital firms and housing-sector startups.
• Finance and Accounts Services Manages financial resources, tracks transactions, prepares reports, and analyzes data to support decision-making and ensure financial health. Targeted at private businesses requiring outsourced accounting support.
• Financial Reporting Prepares and presents financial information to stakeholders, facilitating decision-making and ensuring transparency and accountability. Targeted at private businesses and government contractors.
• Internal Auditing
• Joint Venturing Advisory Facilitates collaboration between two or more entities to pursue a specific project or business opportunity, sharing resources, risks, and rewards. Targeted at private businesses exploring strategic partnerships.
• Due Diligence Conducts thorough investigation and analysis of a company or investment opportunity to assess its viability, risks, and compliance. Targeted at private businesses, investors, and acquirers.
• Business Transformation Implements strategic changes across an organization to improve performance, efficiency, and adaptability to evolving market conditions. Targeted at private businesses undergoing change.
• Business Acquisition Advisory Facilitates purchasing of another company to gain access to its assets, customers, technology, or market share, enabling growth or diversification. Targeted at private businesses pursuing M&A.
• Portal and App Development Designs and builds digital platforms and applications to streamline processes, enhance user experiences, and deliver specific functionalities. Targeted at private businesses seeking custom digital products.
• Customized ERP Solution Tailors enterprise resource planning software to meet specific business needs, optimizing workflows, integrating modules, and enhancing functionality for efficiency. Targeted at private businesses seeking operational digitization.
• Cloud Management Oversees the deployment, monitoring, optimization, and security of cloud-based services and resources to ensure reliability and performance. Targeted at private businesses adopting cloud infrastructure.
• Business Process Outsourcing Takes care of administrative business tasks, allowing clients to focus on core competencies while the consultancy manages operational processes. Targeted at private businesses and government contractors.
• Specialized Companies Licensing Helps clients obtain necessary licenses and permits to start and operate specialized businesses in various regulated industries. Targeted at private businesses and entrepreneurs.
• Tax and Corporate Advisory Provides tax and corporate advice to help clients save money and grow their businesses while ensuring regulatory compliance. Targeted at private businesses and government contractors.
• EMI Licensing Assists clients in obtaining necessary licenses and permits to offer EMI (Equal Monthly Installment) payment options to customers. Targeted at retailers and financial services companies.
• NGO and Welfare Foundation Setup Helps clients set up and manage non-governmental organizations or welfare foundations, including registration, compliance, and operational support. Targeted at NGOs and welfare foundations.
• Feasibility and Research Provides feasibility studies and research services to help organizations translate conceptual ideas into reality through data-driven analysis. Targeted at private businesses and investors evaluating new ventures.
• Business Delegation Facilitates business delegation services to help organizations represent and expand their interests in new markets. Targeted at private businesses, particularly Chinese investors and visitors entering Pakistan.
• Marketing and Localization Provides marketing and localization services to help organizations adapt their offerings for different markets and audiences. Targeted at private businesses, particularly Chinese firms entering Pakistani markets.
• Process Automation Automates business processes to save clients time and money through streamlined workflows and reduced manual intervention. Targeted at private businesses seeking operational efficiency.

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Agri-Tourism Development Corporation of PakistannotableStrategic or Co-development PartnerColors of Combine, an agri-tourism and organic farming initiative under Combine Group, is an official partner of the Agri-Tourism Development Corporation of Pakistan. This partnership promotes agricultural tourism activities, farm visits, and workshops to familiarize tourists with rural and agricultural culture.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Ernst & Young (EY) Pakistan: EY's Pakistan practice (EY Ford Rhodes) provides audit, tax, transaction advisory, and consulting services. Overlaps directly with Combine Consultants' financial reporting, internal auditing, due diligence, and corporate advisory offerings.
• McKinsey & Company: Global management consulting leader serving corporate strategy, operations, and transformation clients across emerging markets including Pakistan. Represents the upper bound of the consulting competitive set against which Combine Consultants competes for enterprise transformation mandates.
• Deloitte Pakistan: Big 4 professional services firm with a Pakistan practice offering management consulting, financial advisory, tax, and ERP/technology services. Directly comparable to Combine Consultants' broad advisory scope but with vastly deeper bench and global methodology.
• Bain & Company: Global management consulting firm with strong private equity and financial services advisory practices. Comparable to Combine Consultants' NBFC licensing, asset management advisory, and due diligence offerings at the higher end of the market.
• Boston Consulting Group (BCG): Global strategy consulting firm with active emerging markets and Pakistan practices. Directly comparable at the strategy and corporate development consulting layer where Combine Consultants offers business transformation and JV advisory.
• PricewaterhouseCoopers (PwC) Pakistan: Big 4 firm with established Pakistan presence providing assurance, advisory, and tax services. Overlaps with Combine Consultants' tax & corporate advisory, due diligence, and business transformation service lines.
• KPMG Pakistan: Big 4 firm offering audit, tax, and advisory including management consulting and financial services advisory. Comparable to Combine Consultants' finance, licensing, and business transformation services, particularly in NBFC and financial sector engagements.

Emerging players

• Avanza Solutions: Pakistani fintech and digital transformation services company offering payment, lending, and custom software solutions. Comparable to Combine Consultants' Blue Sky Financial Services-linked financial services consulting and customized ERP/portal development offerings.

Others

• Pakistan Business Council: Pakistani industry advocacy and policy research body that supports members on regulatory, tax, and market-entry matters. Thematically adjacent to Combine Consultants' advisory positioning but operates as an industry association rather than a paid consultancy.

Regional players

• Indus Strategy Advisors: Pakistan-focused strategy and corporate finance advisory firm serving enterprise and financial sector clients. Direct peer for Combine Consultants' business transformation, due diligence, and corporate advisory mandates within the local market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/CombineGrp
• Facebookfacebook.com/CombineGroup
• LinkedInlinkedin.com/company/combine-consultants-pvt-ltd
• Instagraminstagram.com/combine_group

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Combine Consultants Pvt Ltd