The Company was founded in 2010 and its main activity is the sale and installation of swimming pools and pool accessories. The details and finished pools are imported from Poland and resold to companies and private individuals in Estonia. In recent years, the Company has experienced an increase in demand. Therefore, this season the Company plans to order more goods and materials in advance to increase sales. The Company is seeking EUR 22,902 financing for 12 months to purchase more details and equipment from the Polish manufacturers. The loan will carry a 7.08% annual interest rate (0.59% 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 guaranteed loan becomes default. In addition, a personal guarantee from the owner is provided.

Altogether the Company will receive financing with the European Investment Fund guarantee in the amount of EUR 45,804. However, the amount is divided into two separate financing projects, EUR 22,904 each.

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 the European Investment Fund guaranteewhich allows Capitalia to provide a buyback guarantee in case such guaranteed loan becomes default.
• A personal guarantee from the loan is provided.
• The Company has more than 11 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 51%.