Projects list

Armališkių st. 5H, Kaunas, Lithuania

Processing

Amount of funding 44 200 €

LTV 65%

Annual interest rate 14.00% - 15.00%

Total expected project return 14.00% - 15.00%

Loan period

12 mo.

Risk

C (higher)

Purpose of the loan

Development loan

Collateral Real estate pledge

Country

Lithuania

Investors 100

Raised:
44 200 € Goal:
44 200 €

100.00%

Project updates

Period paid

2025-11-24

The debtor has paid interest for the period 2025-11-25.

Period paid

2025-10-22

The debtor has paid interest for the period 2025-10-25.

Period paid

2025-09-22

The debtor has paid interest for the period 2025-09-25.

Business loan terms

About the loan

Purpose of the loan Real estate development

Amount of funding 44 200 €

LTV 65 %

Risk C (higher)

Payment of interest Every month

Loan repayment At the end of the loan period

Loan period 12 mo.

Minimum loan period 4 mo.

Collateral

Real estate pledge

Guarantees / surety

Mortgage rank First order mortgage

Amount allocated by project owner 23 800.00 €

Pobjective of the loan

The amount of EUR 44 200 is required for the financing, which is being raised in a single round. A part of the loan proceeds will be used to pay for the real estate purchased by the borrower - a plot of land with the address Armališkių st. 5H, Kaunas, Lithuania, area - 0,1457 ha, unique No. 4400-1454-7947, cadastral No. 1901/0294:750, Kaunas m. cadastral area, purpose - other, use - residential territories, use type - construction of low-rise residential buildings, the other part - for the commencement of the construction works of the real estate project, i.e. a two-storey, 324.60 sq. m total area block-built residential building, for the construction of which the building permit is obtained. The loan will be repaid by refinancing with another financial institution or from the proceeds of the sale of the property under development. The amount to be contributed by the project owner himself is EUR 23 800.

About the project

The land plot has been created by cadastral surveys. The plot is currently undeveloped with buildings/structures. The plot has a close to rhombic shape and the terrain is flat. The territory of the plot is not fenced, the landscaping is not landscaped. The plot is bordered by undeveloped and developed plots and an access road. Building permit (cadastral mark) issued on 6-11-2008. The permit was issued by Kaunas City Municipality Administration. All engineering utilities (electricity, water supply, sewage, gas) are located next to the land plot. A plan of the plot is provided in the appendices.

According to the building permit, the plot will be used for the construction of a two-storey low-rise dwelling house for year-round use. The plot has a built-up area of 258.40 sq.m., the area of the two flats is 162.30 sq.m. each, the total area of the building is 324.60 sq.m. The number of parking spaces is 2.

The house is designed as a single-storey house with an attic and a pitched roof. The foundations are built on pilings, the exterior walls are made of ceramic blocks, and the exterior is insulated with non-combustible stone wool thermal insulation. The exterior is finished with clinker bricks, joined with larch panelling and mineral plaster. The partition between the first and second floor is reinforced concrete. Both parts of the house are divided into living space - kitchen-dining-living room, study-bedroom, WC, garage on the ground floor, bedrooms and WC on the first floor.

Gas heating, water as heat carrier. Ventilation is natural. The water, sewage, drainage and electricity networks of the house are connected to the engineering infrastructure of the quarter.

The property has not become an integral part of any other property, is not dependent on it and can be disposed of on the market without adversely affecting the value of the property as a separate property unit. The appraisers have analysed the current condition and future prospects of the property and have determined that the highest and best use of the property would be for the construction of a residential building and that alternative uses are not appropriate given the existing use and location.

For more information about the project (see Documentation) (see Loan Protection Arrangements).

We inform you that the employees of UAB Nordstreet (company code 304565690) are investing in this project.

Investment from 50.00 €.

Interest

Annual interest rate

Investing from 50.00 € - fixed interest 14 %
Investing from 1 000.00 € - fixed interest 14.25 %
Investing from 3 000.00 € - fixed interest 14.5 %
Investing from 5 000.00 € - fixed interest 14.75 %
Investing from 7 000.00 € - fixed interest 15 %

The Interest on the Loan Amount shall be calculated from and including the date of disbursement of the Loan Amount to the Debtor's Account or to such other account (or accounts) as notified by the Debtor to the Operator in writing prior to the disbursement of the Loan Amount.

Loan term and repayment

Loan period 12 mo.

Minimum loan period 4 mo.

Loan repayment At the end of the loan period

Estimated start date of the loan:* 2025-08-25

Estimated loan repayment date:* 2026-08-25

If the Debtor repays the Loan earlier than after the specified minimum loan period, it undertakes to pay interest to the Lender for the entire specified minimum period.

* The loan is planned to be repaid by the end of the project term from the expected growing income of the company, increasing profits, sale of assets or refinancing of the loan.

Procedure for disputes between parties to a financing transaction

The investor has the right to withdraw their investment within 96 hours from the submission of the money lending proposal on the platform

Debtor

Company title UAB RG projektai

Company code 307171245

Company registration address

Veiverių g. 9b-41 Vilnius Lietuva LT-11346

UAB RG projektai - company incorporated on 13 May 2025. The main activities of the company are: (a) Real estate agency activities (EVKR 683100); (b) Real estate operations for consideration or on a fee or contract basis; (c) Management of real estate for consideration or on a fee or contract basis; (d) Renting and operating of own or leased immovable property; (e) Purchase and sale of own immovable property; (f) Construction of residential and non-residential buildings. The company may engage in any other activity which is not contrary to the legislation of the Republic of Lithuania.

UAB RG Projektai is a real estate company engaged in the purchase, sale, development and implementation of construction projects. The company plans to provide professional services from the acquisition of plots or objects to the full realization and sale of projects, ensuring high quality and value growth for its clients and partners.

The shareholder of the company is 100% Ernesta Gedutytė-Brakauskė.

Loan protection collateral

Loan collateral:

The property located at Armališkių st. 5H, Kaunas, Lithuania is subject to first-ranking mortgage:

Land plot with the address Armališkių st. 5H, Kaunas, Lithuania, the area of which is 0,1457 ha, unique No. 4400-1454-7947, cadastral No. 1901/0294:750, Kaunas m. cadastral area, purpose - other, use type - residential territories, use type - construction of low-rise residential houses.

Value of the mortgaged property: EUR 68 000.

Additional security:

Guarantee of the company (borrower) (promissory note in double amount);
Guarantee of the director and shareholder Ernesta Gedutytė-Brakauskė;
Deposit of three (3) months interest.

Description of the Pledged Assets

The Pledged Assets are located in Kaunas, Armališkių st. 5H, LT-45474.

Kaunas is situated at the south-eastern edge of the middle plain of Lithuania. Kaunas is situated on the terraces of the valleys of two of Lithuania's largest rivers, the Nemunas and the Neris. The city is bounded to the east by the Kaunas Lagoon and to the north-east by the Gaižiūnai Forest. Kaunas is located in the central part of the country's territory, about 100 kilometres from the capital city and 212 kilometres from the country's largest port, Klaipėda. Kaunas is located at the crossroads of Lithuania's main transport routes. The routes of two European transport corridors, the IX and the I (Via Baltica), intersect here. Kaunas International Airport is located 13.8 km north-east of Kaunas city centre and the railway infrastructure is well developed. The total area of the city is 15.7 thousand ha.

Description of the municipality. The mortgaged property is located in the Panemunė sub-district. The Panemune sub-district is located in the south-eastern part of Kaunas city, on the left bank of the Nemunas River opposite Žemuosius Šančiai, above the mouth of the Jiesia River. It covers the following parts of the city: Panemunė, Vičiūnai, Vaišvydava and Rocks. The territory of Panemunė sub-district covers an area of 24,77 square kilometres and borders on the territories of Aleksotas and Šančiai sub-districts. The territory of the Panemunė part of the town is dominated by privately-built dwellings. The population of Panemunė sub-district is about 17 100 people. On the eastern outskirts there is Kaunas Oncology Hospital. The southern Kaunas bypass connecting Petrašiūnai with Garliava crosses the district.

The mortgaged property is located in the south-eastern part of the district, in the settlement of Vaišvydava. Vaišvydava is a part of Kaunas city on the south-eastern outskirts of the city, to the south-east of Panemune. The Kaunas Lagoon is nearby. The property's surroundings are dominated by single/double-family dwellings and undeveloped land plots/parcels of land. The nearest social infrastructure - shops, schools, kindergartens, medical institutions and a public transport stop - are located at a distance of 0,7-2 km. The distance to the central part of Kaunas city is approx. 13 km, to Garliava - approx. 12 km, to the shore of Kaunas lagoon - approx. 1 km. From the asphalted Garšvės street there is a convenient connection with other streets of the city. The nearest social infrastructure: shops - ~1 km; primary schools and kindergartens - ~1,5 km; medical institution - ~2 km; public transport stop - ~0,7 km. Due to the quiet environment and easy access to the city, this location is particularly attractive for the construction of individual residential houses.

Private transport. The mortgaged property can be reached from Kaunas city centre in several ways. All access roads to Garšvės street are asphalted. The remaining unpaved road to the mortgaged property is 780 m. The distance to the central part of Kaunas city is approximately 13 km. It can be concluded that the accessibility to the centre of Kaunas city by private transport is convenient. Public transport. The nearest public transport stop is Vaiduto g. (~0,8 km away).

Factors affecting the mortgaged property:

Quiet location away from noisy streets;
Good accessibility by individual transport;
Nearby developed social infrastructure;
Perspective, expanding settlement;
Suitable location for residential use;
Intermediate accessibility by public transport;
An unpaved road section of approximately 800 m remains.

Evaluators' conclusion on the location of the mortgaged property: the location of the mortgaged property is accepted as good.

For more information (see About the project) (see Documents).

Strengths and risks

Strengths:

Company guarantee (bill of exchange) and guarantee of its director and shareholder.
The first order of real estate pledge - mortgage.
3 months interest deposit

Weaknesses:

The borrower has been operating for less than a year.
Borrower 's activities are in a competitive sector.

Possibilities:

The annual interest rate payable by the borrower is 14.00-15.00%.

Threats:

A young company.
Uncertain economic situation.
Rising cost of building materials.

Documents

#	File name	File type	Actions
1	Istatai UAB RG projektai.pdf
2	RC - UAB RG projektai - Kaunas, Armališkių g. 5H.pdf
3	Turto vertinimo ataskaita.pdf
4	Statybos leidimas.pdf
5	Žemės sklypo planas.pdf
6	PIID.pdf
7	TP Armaliskiu g. 5H, Kaunas.pdf

Important

Nordstreet takes the following measures to ensure a safer investment:

The loan to value ratio of the project will not exceed the LTV ratio provided in the project description, including in cases when the project will be financed in stages.
If the required amount of funding is not collected before the start of the project, all investments will be returned to the investors. Upon application by the Debtor, the financing may be considered to have been successfully completed with a smaller amount collected, the financing of the project may be divided into several stages and / or the financing period of the project may be extended. In these cases, Nordstreet informs the funders and publishes the information on the completion of the project with a smaller amount, the division of the project funding into several stages or the extension of the project funding period on its website together with other information about the project.
By investing in a project, financiers acquire rights of recourse (claim rights). Nordstreet may provide the financiers with the possibility to transfer these claim rights to other users of the platform on the Secondary Market in accordance with the User Terms.
The activities of UAB Nordstreet are supervised by the Bank of Lithuania and UAB Nordstreet is included on the Public List of Operators of Crowdfunding Financing Platforms administered by the Bank of Lithuania.

About the loan

Purpose of the loan Real estate development

Amount of funding 44 200 €

LTV 65 %

Risk C (higher)

Payment of interest Every month

Loan repayment At the end of the loan period

Loan period 12 mo.

Minimum loan period 4 mo.

Collateral

Real estate pledge

Guarantees / surety

Mortgage rank First order mortgage

Amount allocated by project owner 23 800.00 €

Pobjective of the loan

About the project

Gas heating, water as heat carrier. Ventilation is natural. The water, sewage, drainage and electricity networks of the house are connected to the engineering infrastructure of the quarter.

For more information about the project (see Documentation) (see Loan Protection Arrangements).

We inform you that the employees of UAB Nordstreet (company code 304565690) are investing in this project.

Investment from 50.00 €.

Interest

Annual interest rate

Investing from 50.00 € - fixed interest 14 %
Investing from 1 000.00 € - fixed interest 14.25 %
Investing from 3 000.00 € - fixed interest 14.5 %
Investing from 5 000.00 € - fixed interest 14.75 %
Investing from 7 000.00 € - fixed interest 15 %

Loan term and repayment

Loan period 12 mo.

Minimum loan period 4 mo.

Loan repayment At the end of the loan period

Estimated start date of the loan:* 2025-08-25

Estimated loan repayment date:* 2026-08-25

If the Debtor repays the Loan earlier than after the specified minimum loan period, it undertakes to pay interest to the Lender for the entire specified minimum period.

* The loan is planned to be repaid by the end of the project term from the expected growing income of the company, increasing profits, sale of assets or refinancing of the loan.

Procedure for disputes between parties to a financing transaction

The investor has the right to withdraw their investment within 96 hours from the submission of the money lending proposal on the platform

Loan protection collateral

Collateral

Real estate pledge

Guarantees / surety

Property type

Residential

Mortgage rank

First order mortgage

LTV

65%

Documentation

Asset Valuation Report

Report preparation date

2025-08-06

Assessor

UAB „Centro kubas - Nekilnojamasis turtas“

Loan collateral:

The property located at Armališkių st. 5H, Kaunas, Lithuania is subject to first-ranking mortgage:

Land plot with the address Armališkių st. 5H, Kaunas, Lithuania, the area of which is 0,1457 ha, unique No. 4400-1454-7947, cadastral No. 1901/0294:750, Kaunas m. cadastral area, purpose - other, use type - residential territories, use type - construction of low-rise residential houses.

Value of the mortgaged property: EUR 68 000.

Additional security:

Guarantee of the company (borrower) (promissory note in double amount);
Guarantee of the director and shareholder Ernesta Gedutytė-Brakauskė;
Deposit of three (3) months interest.

Description of the Pledged Assets

The Pledged Assets are located in Kaunas, Armališkių st. 5H, LT-45474.

Factors affecting the mortgaged property:

Quiet location away from noisy streets;
Good accessibility by individual transport;
Nearby developed social infrastructure;
Perspective, expanding settlement;
Suitable location for residential use;
Intermediate accessibility by public transport;
An unpaved road section of approximately 800 m remains.

Evaluators' conclusion on the location of the mortgaged property: the location of the mortgaged property is accepted as good.

For more information (see About the project) (see Documents).

Documents

#	File name	File type	Actions
1	Istatai UAB RG projektai.pdf
2	RC - UAB RG projektai - Kaunas, Armališkių g. 5H.pdf
3	Turto vertinimo ataskaita.pdf
4	Statybos leidimas.pdf
5	Žemės sklypo planas.pdf
6	PIID.pdf
7	TP Armaliskiu g. 5H, Kaunas.pdf

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Armališkių st. 5H, Kaunas, Lithuania

Please register or sign in to access this information.

About the loan

We inform you that the employees of UAB Nordstreet (company code 304565690) are investing in this project.

Investment from 50.00 €.

Interest

Annual interest rate

Loan term and repayment

Strengths:

Weaknesses:

Possibilities:

Threats:

Nordstreet takes the following measures to ensure a safer investment:

Please register or sign in to access this information.

About the loan

We inform you that the employees of UAB Nordstreet (company code 304565690) are investing in this project.

Investment from 50.00 €.

Interest

Annual interest rate

Loan term and repayment

Loan protection collateral

Debtor

Strengths and risks

Strengths:

Weaknesses:

Possibilities:

Threats:

Documents

Nordstreet takes the following measures to ensure a safer investment:

Project updates

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