Founded in 1997, the Company is engaged in transportation services. It owns busses for passenger transportation. The Company has cooperation with schools in Tallinn, with government institutions, with larger businesses whose employees work outside the town, and with cruise lines, and other companies. 2022 has been quite successful for the Company and since October, it has been serving increasingly more clients thanks to cooperation with a major glass manufacturer. However, with the fluctuating fuel costs and increasing wage expenses, the Company is seeking EUR 20,828 working capital financing for 18 months to cover ongoing expenses. 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 has more than 20 years of experience in the transportation industry.
• 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 is a repeated client of Capitalia with an excellent payment discipline.