Established in 2004, the Company is the official distributor of an American cleaning solutions and accessories brand in the Baltic states. The cleaning solutions can be used to disinfect surfaces, cars, hands, etc. In addition, the Company has created its own sink and pipes cleaning solution with for that purpose tailored bacteria, which is sold under the same brand. In order to increase its inventory and purchase more goods for sale, the Company is seeking EUR 20,828 financing for 18 months to increase its inventory and service more clients. The loan will carry a 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. The Company is an existing client of Capitalia, having already repaid ten loans on time.

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

• The loan benefits from a guarantee from the European Investment Fund which allows Capitalia to provide a buyback guaranteein case such a guaranteed loan becomes default.
• A personal guarantee of the owner is provided.
• The Company has already repaid 11 loans on time with excellent payment discipline.
• The Company has 19 years of experience in the chemical retail and manufacture industry.
• The Company has a well-diversified customer base, including corporate clients from various industries and private individuals.
• The Company has a history of profitability, with a net profit margin currently being 36%.