Important note. Investments in this project are done via bank transfer to Capitalia according to details in Draw-down notices. Investment Wallets will be used only on new projects published after the 23rd of October.

The Company, established in 2012, is an IT company that has developed and is managing its online employee management system. In addition, the Company owns commercial real estate in Liepāja city that is leased out to a related company for retail store operations. Currently, the Company is seeking EUR 25,000 working capital financing for 12 months. The loan will carry a 7.08% annual (0.59% monthly) interest rate with a monthly amortization schedule starting from the 4th month. The financing benefits from a guarantee from the European Investment Fund which allows Capitalia to provide a buyback guarantee in case such a guaranteed loan becomes default. In addition, a personal guarantee from the Company’s 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 loan benefits from a guarantee from the European Investment Fund which allows Capitalia to provide a buyback guarantee in case such a guaranteed loan becomes default.
• A personal guarantee of the owner is provided.
• The Company has 8 years of experience in the IT industry.
• The Company has a significant equity-to-assets ratio of 57.7%.
• The Company has a track record of profitability.