Seasonal financing for the manufacturer of exhibition stands

The Company was established in 2009. The main activity of the Company is the printing and manufacturing of exhibition stands. The Company’s capabilities include everything from creating the computer design to the final product at the exhibition or retail shop. In addition, the Company can rent the needed inventory and equipment. The Company works with the design and installation of exhibitions and expositions. At the beginning of the season, there are many orders that require the purchase of materials and equipment, and advance payments take 1-1.5 months. In addition, the Company has orders from state-owned enterprises, the settlement of which happens only 1 month after implementation (in November - December).
Therefore, the Company is seeking EUR 36,380 financing for 6 months to execute upcoming projects and pay suppliers. The loan will carry a 10.92% annual interest rate (0.91% monthly) and it will be amortized starting from the 3rd month. The financing will be secured with a personal guarantee from the manager.
The project risk rate is B (81 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 Company is a returning client of Capitalia with 8 repaid loans in amount of EUR 85,000;
- The financing will be secured with a personal guarantee from the manager;
- The Company has a healthy equity-to-assets ratio of 78%;
- The management has over 15 years of experience in the industry.