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Expansion financing for a growing leasing service provider (VII)

Summary

The Company, which was established in 2022, provides business financing services. The Company specializes in leasing services for small and medium enterprises in Lithuania. The Company finances the acquisition of new or used passenger cars, commercial vehicles, specialized equipment such as agricultural, forestry, and construction machinery, and provides real estate secured loans. Currently, the Company is experiencing rapid growth and is seeking EUR 255,000 in additional financing for 24 months to expand its leasing portfolio. The loan will carry a 10.32% annual interest rate (0.86% monthly), and it will be amortized at the end of the term. The principal repayment is expected to be covered either by the amortization of the underlying loan portfolio or through refinancing with another lender.. The financing will be secured with a pledge on the Company’s assets, which include a loan portfolio of EUR 2,286,965 and a personal guarantee from the manager.

The total funding amount should not exceed 50% of the loan portfolio value, and will be fundraised in stages, after the previously issued tranche has been used in the Company’s loan portfolio expansion. The first tranche of EUR 103,000 was already raised in February 2025, the second tranche of EUR 102,000 was raised in March 2025, the third tranche of EUR 102,000 was raised in April 2025, the fourth tranche of EUR 306,000 was raised in June 2025, the fifth tranche of EUR 204,000 was raised in July 2025, and the sixth tranche of EUR 255,000 back in August 2025. This is the seventh tranche. The Company has already repaid over EUR 293,000 in loan principal with an excellent payment history.
Key investment highlights

There are a number of factors that make lending to the Company an attractive opportunity and the main highlights are as follows:

  • The financing will be secured with a pledge on the Company’s leasing portfolio of EUR 2,286,965.
  • The Company has a significant adjusted equity-to-assets ratio of 51%.
  • The manager of the Company will provide a personal guarantee.
  • The Company is rapidly growing its leasing portfolio.
  • The management of the Company has more than 5 years of successful experience in the industry;
  • The Company is a returning client of Capitalia with an excellent payment discipline and has repaid over EUR 293,000 in principal.
ID 17922009-LT
Industry Financing
Location Lithuania
Loan type Business loan
Term 24 months
Expected return 10.32%
Interest rate Monthly
Amortisation At the end of the loan term
Risk grade B (85 out of 100)
Personal warranty From the manager
Collateral Commercial asset
pledge with a book
value of EUR
2,307,000
Target amount 255000
Successfully funded
This loan is already funded.
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Capitalia is the leading financer for small and medium enterprises in the Baltic sea region. Operating since 2007 we have financed more than 5000 businesses investing over EUR 100 million in their development.

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