Real estate secured expansion financing for an AI solutions and training company

Summary

An Estonia-based company that develops and maintains long-term AI and Generative AI solutions for international corporate clients, and provides short-term AI training programs for financial institutions and educational organizations. The Company works with clients in the US and EU (including technology, biotech, and industrial firms) and has a growing portfolio of local training engagements in Estonia and the UK. 

Since the Company is heavily based in Tartu, Estonia, while also having multiple partnerships with companies across Europe and North America, it is seeking opportunities to expand and build partnerships in the Baltic region. To support this expansion, the Company intends to purchase investment properties in Tallinn or Riga.

Therefore, the Company is seeking EUR EUR 124,608 financing for 36 months. The loan will carry a 9.36% annual interest rate (0.78% monthly) and it will be amortized monthly. The loan will be secured  with a first-rank mortgage on two apartments located in Tartu with a total market value of EUR 210,000 (LTV 59%). In addition, a personal guarantee will be provided by the owner of the . The project risk rate is B (88 out of 100).
Key investment highlights

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

  • The sole owner of the Company will provide a personal guarantee for the loan.
  • The loan will be additionally secured by a first-rank mortgage on two apartments located in Tartu with a total market value of EUR 210,000 (LTV 59%).
  • The Company operates in a growing niche of applied AI and Generative AI solutions and training
ID 19258001-EE
Industry Computer programming
activities
Location Estonia
Loan type Business loan
Term 36 months
Expected return 9.36%
Interest rate Monthly
Amortisation Monthly
Risk grade B (88 out of 100)
Personal warranty From the management
board member
Collateral First rank mortgage
on two properties
with a total value
of EUR 210,000.
Target amount 124608
Application term 21.02.2026
EUR 53,208.00 financed