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Working capital financing for a profitable workforce rental company

Summary

The Company is a staff leasing company (workforce rental) established in 2010. They have established long term relations with many large Finnish manufacturing companies. Currently the Company has around 125 workers working every day in Finland providing stable cash flow.

As the economy of Finland has started to recover following a recession, there has been an increase in demand for workers in Finland. To satisfy this demand the Company has to recruit and train additional employees, that will require additional funds. 

Therefore, the Company is seeking EUR 62,100 financing for 8 months for recruitment and training of additional employees. The loan will carry a 9.72% annual interest rate (0.81% 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 B (84 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 Company has a proven track record of profitability and has several agreements with major Finish manufacturers.
  • The Company has low levels of financial liabilities which mostly are Bank leasings. 
  • A personal guarantee from the owner is provided
  • The Company is an existing client of Capitalia with an excellent payment discipline.
ID 06165006-EE
Industry Employment
Location Estonia
Loan type Business loan
Term 8 months
Expected return 9.72%
Interest rate Monthly
Amortisation Monthly
Risk grade B (84 out of 100)
Personal warranty From the owner
Collateral None
Target amount 62100
Successfully funded
This loan is already funded.
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About Capitalia

Capitalia is the leading financer for small and medium enterprises in the Baltic sea region. Operating since 2007 we have financed more than 5000 businesses investing over EUR 100 million in their development.

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