The Company started its activities at the beginning of 2018. The main activity of the Company is advertising services. The Company is purchasing and organizing advertising on TV, radio, and in magazines. The main clients of the Company include cosmetics and pharmaceuticals wholesalers. On the side, the Company develops several land plots (which are pledged to Capitalia). Recently, the Company purchased an additional land plot. , where they want to start construction. Therefore, the Company is seeking EUR 52,160 financing for 24 months to start construction on the land plot. The loan will carry a 7.68% annual interest rate (0.64% monthly) and it will be amortized monthly. The loan would be secured with a mortgage on a garden/residential land plot with a garden house with a market value of EUR 75,000 (LTV 70% LTV) and a personal guarantee from the owner.

The Company repaid over EUR 247,000 of loans. In addition, the Client owns other existing clients of Capitalia with excellent previous payment discipline with over EUR 400,000 repaid loans and over EUR 1,000,000 used invoice financing from Capitalia.

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

• The loan would be secured with a mortgage on a garden/residential land plot with a garden house with a market value of EUR 75,000 (LTV 70% LTV);
• The owner of the Company will provide a personal guarantee;
• The management has over 12 years of experience in the marketing industry;
• The Company repaid over EUR 247,000 of loans with excellent payment discipline. In addition, the management owns an existing client of Capitalia with excellent previous payment discipline.