Wholesaler and retailer of wigs, hair and nail care products in Lithuania

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Summary
The Company, which was established in 2003, does retail and wholesale trade of hair, wigs, professional nail, hair and mascara products. The Company owns 3 brands: Ba-Ha Professional, Ba-Ha Lash Extension, Baltic Hair. The Company is seeking additional financing of EUR 104,000 for a 24-month period in order to open a warehouse in Poland and increase inventory. Investors are offered a 14.04% annual (1.17% monthly) interest with a monthly amortization schedule. The loan is secured with an inventory pledge and a personal guarantee from the business owner.

There is a number of factors that make lending to the Company an attractive opportunity and the main highlights are the following:
  • The Company has been operating for 16 years and its manager has 12 years of experience in this industry;
  • Low level of financial debt and significant equity capital amount;
  • Financing is well secured with inventory pledge of EUR 800,000 and owner’s personal guarantee;
  • The Company has excellent partnerships with key clients for multiple years.
ID 12280-2019-1
Industry Wholesale/Retail
Location Lithuania
Loan type Standard
Term 24 months
Expected return 14.04%
Interest rate Monthly
Amortisation Monthly
Risk grade A (90 out of 100)
Personal warranty Yes
Collateral Inventory worth EUR 800,000
Capitalia's cofinancing 6000
Target amount 104000
Successfully funded