The Company, founded in 2012 and based in Helsinki, Finland, specializes in the design and manufacturing of optical films and micro-patterned surfaces. These materials are used in devices such as outdoor displays, e-readers, automotive lighting, privacy filters, and solar panels, helping improve screen visibility in bright sunlight, protect sensitive information, and optimize energy use. Company collaborates with clients across the United States, Europe, Japan, and China by selling the technology license and complete manufacturing concepts. The Company has recently started new projects in Japan, and would like to maintain some additional liquidity, as project activations are taking slightly longer than expected. In addition, the Company has a smaller existing loan that it wishes to refinance for better terms.

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 profitability has remained stable in recent years
• The owner, as well as an Estonian subsidiary of the Company will provide guarantees for the loan. 
• The Company maintains a high net profit margin, exceeding 25%.