Refinancing and working capital for an HVAC company

Summary

The Company, founded in 2011, provides plumbing, heating, water, and air conditioning installation services, with a specialization in the inspection, decommissioning, demolition, and ground removal of oil tanks.  The company operates primarily in the Greater Helsinki area and southern Finland, offering 24/7 emergency response for issues like water damages, alongside routine services such as hot water heater replacements and property maintenance. 

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 Company has been operating since 2011 and has an established track record in the industry.
  • The owner of the Company will provide personal guarantee for the loan.
  • The Company's revenue has grown steadily in recent years.
ID 19369001-FI
Industry Specialised
construction
activities
Location Finland
Loan type Business loan
Term 36 months
Expected return 10.32%
Interest rate Monthly
Amortisation Monthly
Risk grade C (74 out of 100)
Personal warranty Yes, from the owner
Collateral None
Target amount 26500
Application term 12.04.2026
EUR 17,700.00 financed