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Working capital financing for an experienced flooring and interior design goods retail store

Summary

The Company, founded in 2006, operates an interior design retail store in Piņķi (Riga suburbs) and online. Assortment includes flooring, tiles, plumbing supplies, coloring and similar interior elements which are sold both to privates and real estate developers. 

The Company is looking for a working capital influx as it has now several projects with post-payment terms, including several development projects.

Therefore, the Company is seeking EUR 31,180 financing for 36 months for working capital needs. The loan will carry a 6.6% annual interest rate (0.55% monthly) and it will be amortized monthly. The financing benefits from a guarantee from the European Investment Fund which allows Capitalia to provide a buyback guarantee in case such loan becomes default. In addition, the owner of the Company will provide a personal guarantee for the loan. The project risk rate is A (90 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 loan benefits from a guarantee from the European Investment Fund which allows Capitalia to provide a buyback guarantee in case such a guaranteed loan becomes default.
  • The owner of the Company will provide a personal guarantee for the loan.
  • The Company is a repeat client of Capitalia with an excellent payment discipline.
  • The Company has over 20 years of experience in the market.
ID 13511020-LV
Industry Retail and wholesale
Location Latvia
Loan type Business loan
Term 36 months
Expected return 6.60%
Interest rate Monthly
Amortisation Monthly
Risk grade A (90 out of 100)
Personal warranty From the owner
Collateral None
Target amount 31180
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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