The Company was established in 2020 and is engaged in the retail trade of used cars. The Company sells around 20 vehicles per month and has a wide range of vehicles from economy class to high-end luxury vehicles. Most clients of the Company are individuals. It is also getting actively involved in providing vehicle rental services for its customers, from long-term to short-term rentals. This activity helps the Company to grow its revenue. The Company is in the process of acquiring new premises in Vilnius, which will be leased to generate stable recurring rental income. To successfully complete the acquisition, the Company is looking for additional financing.

Therefore, the Company is seeking EUR 81,015 financing for 36 months to purchase newly built commercial premises. The loan will carry a 9,12% annual interest rate (0.76% monthly) and it will be partially amortized in 36 months on a 60-month schedule, with the remaining principal due at the end of the loan term. The financing will be secured with a pledge of commercial premises with a market value of EUR 111,394 (70% LTV) and a personal guarantee from the business owner. The project risk rate is B (83 out of 100).

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

• The financing will be secured with a pledge of commercial premises with a market value of EUR 111,394 (70% LTV);
• A personal guarantee from the owner of the Company will be provided;
• The Company has a solid equity-to-assets ratio of 43%;
• The Company has demonstrated consistent revenue growth.