The Company was established in 1999 and is operating in farming business. The Company grows grain crops and potatoes that are sold to grain wholesalers and producers. The Company manages 1,400ha of agricultural land: 100ha are used to grow potatoes, and the rest is used to grow grain crops. The Company itself owns 90ha, while the rest of the land is rented.

As the active season in agriculture is approaching, the Company is seeking EUR 77,142 financing for 12 months for working capital purposes, to pay for fuel, pay salaries, and taxes. The loan will carry a 11.4% annual interest rate (0.95% monthly) and it will be amortized starting from the 7th month. The loan will be secured with a mortgage on an agricultural land property with an estimated market value of EUR 111,000 (LTV 70%). Additionally the owner of the Company will provide a personal guarantee for the loan. The project risk rate is B (85 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 has been operating in the farming industry for more than 20 years.
• The loan is secured with a mortgage pledge on an agricultural land property with the estimated market value of EUR 111,000.
• A personal guarantee from the owner is provided.
• The Company is operating in the farming industry and receives regular government subsidies.
• The Company is a repeated Capitalia client, showing an excellent payment discipline.