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Working capital financing for an experienced scaffolding rental company

Summary

The Company has been operating for more than 15 years and it provides scaffolding services - facade scaffolding rental, assembly and disassembly services, trade and transport services, fences, etc. with more than 1200 projects done in Latvia and Sweden. The Company aims to secure prepayments to suppliers of scaffolds in order to increase its stock before the off-season, in order to avoid delays when demand spikes in the spring.

Therefore, the Company is seeking EUR 41,944 financing for 17 months to make prepayments to suppliers of the stock. The loan will carry a 13.92% annual interest rate (1.16% monthly) and it will be amortized monthly. Personal guarantee from the owner will be provided. The project risk rate is C (70 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:

  • Personal guarantee from the owner will be provided;
  • The Company is well-established with over 15 years of operational experience;
  • The Company has been profitable for the last 10 years;
  • The Company has a strong adjusted equity-to-assets ratio of 60%.
ID 18142001-LV
Industry Construction
Location Latvia
Loan type Business loan
Term 17 months
Expected return 13.92%
Interest rate Monthly
Amortisation Monthly
Risk grade C (70 out of 100)
Personal warranty From the owner
Collateral None
Target amount 41944
Successfully funded
This loan is already funded.
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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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