Working capital financing for a profitable fruit and vegetable wholesaler
Summary
The Company, founded in 2015, is a business engaged in the wholesale and distribution of fresh fruits and vegetables. The Company sources produce primarily from Southern and Western Europe and supplies supermarkets, retailers, and wholesalers across the Baltic States and Eastern Europe. To support its operations, the Company owns a fleet of refrigerated trucks and trailers, enabling direct control over cold-chain logistics and currently employs 12 people. The Company has experienced consistent growth in recent years. Growing client demand has driven increased inventory requirements and higher volumes.
Therefore, the Company is seeking EUR 103,172 financing for 24 months for working capital to increase their purchases of products for wholesale. The loan will carry a 12% annual interest rate (1% monthly) and it will be amortized monthly. A personal guarantee from the Company’s sole owner is provided. The project risk rate is C (78 out of 100).
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 sole shareholder will provide a personal guarantee for the loan.
- The Company has 10 years of experience in the wholesale industry.
- The Company is an existing client of Capitalia with an excellent payment discipline.
Latvia 
Lithuania 
Estonia