Since 2020, the Company operates in the transportation industry, cooperating with fruit and food wholesalers and larger transportation companies. Currently, the Company owns 3 trucks and 2 trailers; however, the Company needs additional vehicles to expand and serve more clients. Therefore, the Company is seeking EUR 25,000 financing for 36 months to purchase a semi-trailer which would be equiped with a fridge. The loan will carry an 8.04% annual interest rate (0.67% monthly) and it will be amortized monthly. The financing benefits from a guarantee from the European Investment Fund which allows Capitalia to provide a buyback guarantee in case such guaranteed loan becomes default. In addition, a personal guarantee from the owner is provided.

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

• The Company’s clientele includes large and well-known Lithuanian transportation companies and food wholesalers with the annual turnover about EUR 10 million.
• The loan benefits from a guarantee from the European Investment Fund which allows Capitalia to provide a buyback guarantee in case such guaranteed loan becomes default.
• A personal guarantee from the owner is provided.
• The Company has a significant equity-to-assets ratio of 48%.