Projects list

Ežero st. 28A-4, Daugai, Alytaus d. mun., Lithuania

Waiting for investments

Amount of funding 24 000 €

LTV 60%

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

Refinancing

Collateral Real estate pledge

Country

Lithuania

Investors 3

Raised:
500 € Goal:
24 000 €

2.08%

How much will I earn if I invest:

Investment size

100.00 €

23 500.00 €

14% 14.25% 14.5% 14.75% 15%

With this project in one month I will earn

€

After 12 months I will earn

€

* This calculator is exemplary and provides approximate results. Please note that the actual earnings may differ from the results provided by the calculator

Business loan terms

About the loan

Purpose of the loan Loan refinancing

Amount of funding 24 000 €

LTV 60 %

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 16 100.00 €

Objective of the loan

The amount of EUR 24 000 is required for the financing, which is raised in one round. The loan will be used to refinance the borrower's existing loan with another financial institution. The loan will be repaid by refinancing with another financial institution either from the company's activities or from the proceeds of the sale of real estate. The amount to be contributed by the project owner to the project is EUR 16 100.

About the asset

The mortgaged asset is an apartment located in a multi-apartment residential building at the address of Alytus r. municipality, Daugai, Ežero st. 28A-4. In the real estate register this object is registered as a residential premises (apartment) with the unique number 3399-3000-1011:0003. The three-room apartment is located on the second floor of a multi-apartment residential building. The house was built in 1993 and the building and the apartment are 100 % complete.

The apartment also has a basement of 3,02 sq.m., which is an additional add-on and adds to the functionality of the property as well as to the attractiveness of the property for use. The main technical characteristics of the apartment are as follows: total area - 61,57 sq.m., living area - 40,32 sq.m., number of rooms - 3, floor - 2, purpose - residential (apartments).

The interior decoration and furnishing of the apartment is typical for premises of this period and purpose. The flooring is parquet, tiled and linoleum, the walls are painted or wallpapered, some of the rooms have wooden panelling, the windows are plastic with double glazing and the internal doors are veneered. Utilities include central heating, communal water supply and sewage disposal, as well as gas supply and a gas cooker.

Based on the inspection and documentation of the mortgaged property, the technical condition of the apartment is considered to be better, i.e. The premises comply with the usual requirements for this type of residential premises and the finishes are of both economic and higher quality materials.

Considering the purpose, technical condition, location and environmental infrastructure of the property, the best and economically viable use of the mortgaged property is the use for the existing purpose - residential. The structure and layout of the apartment is designed for permanent living and meets the requirements for residential premises.

In addition, there is an alternative use - long-term renting, especially for residents working in the city of Alytus or the surrounding regions, as well as for persons who appreciate a more peaceful living environment close to nature. The recreational environment of the area may also be attractive as a seasonal residence or second home.

Factors determining the attractiveness of the mortgaged property include:

a favourable recreational environment close to the lake;
a quiet residential area;
sufficiently developed infrastructure of the town;
good accessibility to the city of Alytus;
a layout of the three-room apartment, suitable for a family living.
smaller size of the town and limited local property market;
fewer jobs locally, so residents are more likely to work in other cities.

Taking these factors into account, the mortgaged property is considered to be a residential property with medium liquidity, which may have a longer time-to-market than in the markets of the larger cities, but whose demand is supported by the needs of the local population and the buyers in the region.

Potential buyers of the mortgaged property could include: local residents or young families looking for a home in a smaller city; people working in Alytus who want to live in a quieter environment; buyers looking for a recreational or seasonal home near a body of water.

Considering the technical characteristics, the condition of the property, the local infrastructure and the market conditions, the mortgaged apartment is considered to be a typical residential property on the regional market, with the best use being either living or rental. The property's attractiveness is enhanced by a good natural environment and sufficient infrastructure, while liquidity is considered to be medium, typical of the residential property market in smaller towns.

For more information on the property (see Documents).

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:* 2026-03-27

Estimated loan repayment date:* 2027-03-27

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 MB Švaros priežiūra

Company code 307594747

Company registration address

Ežero g. 28A-4 Alytaus r., Daugai Lietuva LT-64137

MB Švaros priežiūra - company incorporated on 24 February 2026. The main activities of the company are: (a) Ordinary cleaning of buildings (EVRK 812100); (b) Other building and industrial cleaning activities; (c) Other cleaning activities.

MB Švaros priežiūra plans to provide high quality cleaning and janitorial services in both commercial and residential cleaning, to ensure a tidy and hygienic environment.

Members of the small partnership are:

Rimutė Ramanavičienė 100% of the shares.

Loan protection collateral

Loan collateral:

The following property located at Ežero st. 28A - 4, Daugai, Alytus d. mun., Lithuania is subject to first-ranking mortgage:

Apartment/Flat (with basement of 3,02 sq. m. marked R-9), located at Ežero st. 28A - 4, Daugai, Alytus d. mun., Lithuania, unique No. 3399-3000-1011:0003, total area - 61,57 sq. m, main use of the object - Residential (flats), completeness - 100%.

Value of the mortgaged property: EUR 40 100.

Additional security:

Guarantee of the Company (Borrower) (promissory note in double amount);
Guarantee of the Director and shareholder Rimutė Ramanavičienė;
3 (three) months of the term of the Loan.

Description of the pledged property

The pledged immovable property - an apartment - is located in the Republic of Lithuania, in the municipality of the Alytus district, in the town of Daugai, in the Ežero street, at the address Ežero g. 28A-4. Administratively, the territory belongs to the Alytus County, which is one of the ten counties of Lithuania, and the Alytus District Municipality is located in the southern part of Lithuania and surrounds the city of Alytus. It borders the municipalities of Marijampolė, Prienai, Birštonas, Trakai, Varėna, Lazdijai and Druskininkai. The town of Alytus, located about 20 km from Daugai, is the administrative centre of the municipality and the most important economic and infrastructural centre of the region.

The town of Daugai is the centre of the municipality, with a well-developed social infrastructure. The town has educational institutions, health care facilities, a cultural centre, a library, shopping and service facilities and other social infrastructure institutions that provide services for the daily needs of the population. The settlement is strategically located between Alytus and Varėna, providing convenient and fast access to the larger centres of the region.

The mortgaged property is located in Ežero Street, which is considered to be one of the streets in the central part of the city. The area is characterised by residential use and a quiet urban character. The street and its surroundings are dominated by low-rise apartment buildings and individual residential houses, typical of the urban structure of smaller Lithuanian cities. The traffic volume on the street is low and the residential environment is considered to be quiet and liveable.

The natural and recreational environment is an important asset of the area. Lake Street is situated close to Lake Daugai, one of the larger and more picturesque lakes in the Dzūkija region. The proximity of the water body gives the territory an additional attractiveness for living and recreation, provides opportunities for active recreation, water sports, fishing and nature walks. This natural environment is considered to be one of the most important factors contributing to the attractiveness of the area.

Transport and communication infrastructure in the area is sufficient. The Daugai are connected by regional roads to the city of Alytus and other surrounding settlements and the local streets are paved and suitable for permanent use. There are also public transport links to Alytus, which provide residents with convenient access to the larger regional centre.

In terms of environmental quality, there are no significant sources of industry or heavy traffic in the area, and therefore noise and air pollution levels are considered to be low, and the living environment is considered to be conducive to permanent residence.The location of the mortgaged property is considered to be good in the context of a small urban residential environment, taking into account the urban structure, social infrastructure, accessibility and natural environment of the area. The proximity of the lake and sufficient local infrastructure have a particularly positive influence on the attractiveness of the site, although the local property market is smaller and buyer activity may be more limited than in larger cities.

For further 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.
The project is completed.
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.
Loan refinancing.

Documents

#	File name	File type	Actions
1	MB Švaros priežiūra nuostatai.pdf
2	Turto vertinimo ataskaita.pdf
3	PIID.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 Loan refinancing

Amount of funding 24 000 €

LTV 60 %

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 16 100.00 €

Objective of the loan

About the asset

Factors determining the attractiveness of the mortgaged property include:

a favourable recreational environment close to the lake;
a quiet residential area;
sufficiently developed infrastructure of the town;
good accessibility to the city of Alytus;
a layout of the three-room apartment, suitable for a family living.
smaller size of the town and limited local property market;
fewer jobs locally, so residents are more likely to work in other cities.

For more information on the property (see Documents).

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:* 2026-03-27

Estimated loan repayment date:* 2027-03-27

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

60%

Documentation

Asset Valuation Report

Report preparation date

2026-02-20

Assessor

UAB Vertinimo partneriai

Loan collateral:

The following property located at Ežero st. 28A - 4, Daugai, Alytus d. mun., Lithuania is subject to first-ranking mortgage:

Apartment/Flat (with basement of 3,02 sq. m. marked R-9), located at Ežero st. 28A - 4, Daugai, Alytus d. mun., Lithuania, unique No. 3399-3000-1011:0003, total area - 61,57 sq. m, main use of the object - Residential (flats), completeness - 100%.

Value of the mortgaged property: EUR 40 100.

Additional security:

Guarantee of the Company (Borrower) (promissory note in double amount);
Guarantee of the Director and shareholder Rimutė Ramanavičienė;
3 (three) months of the term of the Loan.

Description of the pledged property

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

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