Working capital financing for a legal services provider

The Company, founded 2014, provides legal services specializing in corporate law, real estate, construction, dispute resolution, and individual matters. As is common in the legal sector, the firm's cash flow is seasonal—weaker during summer and normalizing in the final five months of the year.
Therefore, the Company is seeking EUR 26,356.00 financing for 24 months for temporary working capital. The loan will carry a 10.08% annual interest rate (0.84% monthly) and it will be amortized monthly. The owner of the Company will provide a personal guarantee for the loan. The project risk rate is C (73 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 a solid equity to assets ratio of 0.66.
- The Company’s profitability has remained stable in recent years.
- The owner of the Company will provide a personal guarantee for the loan.