The Company works as a retailer and wholesaler of metal and wooden doors. The Company has been operating in the market since 2006. Due to high growth in the last couple of years, it has been challenging for the Company to maintain a sufficient level of inventory. Therefore, it is currently looking for a working capital loan of EUR 53,025 for a 24-month period. The loan will carry an 11.04% interest annually (0.92% monthly) and it will be amortized monthly. The loan will be secured with a mortgage on residential property worth EUR 81,000 and a personal guarantee will be provided from one of the beneficial owners. 
 
There is a number of factors that make lending to the Company an attractive opportunity and the main highlights are the following: 

• The loan is secured with a mortgage on a residential property in Riga, with an LTV ratio of 65%;
• The Company has a strong adjusted equity ratio of 45%;
• A personal guarantee from one of the beneficial owners is provided;
• The Company has a diversified client portfolio.