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Working capital financing for an experienced pool equipment provider and installer

Summary

The Company was founded in 2010 and its main activity is the sale and installation of swimming pools and pool accessories. The parts and finished pools are imported from Poland and resold to companies and private individuals in Estonia. Due to the end of the active season the Company has received an offer to purchase additional supplies for the next season at a discounted price. 

Therefore, the Company is seeking EUR 51,987 financing for 12 months to purchase additional stock. The loan will carry a 11.16% annual interest rate (0.93% monthly) and it will be amortized starting from the 4th month. The owner of the Company will provide a personal guarantee for this loan. The project risk rate is B (81 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 more than 14 years of experience in the pool retail industry.
  • The Company is a repeated client of Capitalia, having shown an excellent payment discipline.
  • The Company has no other existing financial liabilities and a strong adjusted equity-to-assets ratio of 74%.
ID 13921009-EE
Industry Retail
Location Estonia
Loan type Business loan
Term 12 months
Expected return 11.16%
Interest rate Monthly
Amortisation Starting from the 4th month
Risk grade B (81 out of 100)
Personal warranty From owner
Collateral None
Target amount 51987
Repaid
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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