Projects list

"Karklės kopa" - Placio st. 83, Karklė, Klaipėdos d. mun., Lithuania (1 stage)

Waiting for investments

Amount of funding 100 000 €

LTV 65%

Annual interest rate 15.00% - 16.00%

Total expected project return 30.00% - 31.99%

Loan period

24 mo.

Risk

C (higher)

Purpose of the loan

Development loan

Collateral Real estate pledge

Country

Lithuania

Investors 6

Raised:
1 931 € Goal:
100 000 €

1.93%

How much will I earn if I invest:

Investment size

100.00 €

98 069.00 €

15% 15.25% 15.5% 15.75% 16%

With this project in one month I will earn

€

After 12 months I will earn

€

After 24 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 Real estate development

Amount of funding 100 000 €

LTV 65 %

Risk C (higher)

Payment of interest Every month

Loan repayment At the end of the loan period

Loan period 24 mo.

Minimum loan period 4 mo.

Collateral

Real estate pledge

Guarantees / surety

Mortgage rank First order mortgage

Amount allocated by project owner 340 000.00 €

Pobjective of the loan

The amount of EUR 631 000 is required for the financing, which will be raised in stages. The loan will be used for the construction of the real estate project "Karklės kopa", i.e. the subdivision of the plot and the construction of the first 2 structures - an individual high-end residential house and an auxiliary farm building - a sauna (total area of the structures 628.31 sqm). The loan will be repaid by refinancing with another financial institution or from the proceeds of the sale of the property to be developed. The amount to be pledged by the project owner for the project is EUR 340 000.

About the project

The mortgaged property is a 7,1290 ha plot of land located on a plot of land (unique no. 5528-0003-0033), the land use type of which is zoning of single-family and two-family residential buildings. The mortgaged part of the land plot is formed as an integral territory suitable for the project's phased development and further functioning as a residential complex.

The mortgaged part of the land plot is planned to be subdivided into smaller plots of approximately 50 acres, forming a block of fourteen separate plots for the construction of individual residential houses, with shared internal access roads, utility corridors, and functional protection zones.

The initial phase includes the development of two buildings: a detached premium class dwelling house with a total floor area of 173,26 sqm and an ancillary outbuilding, a sauna, with a floor area of 455,05 sqm. The planned buildings are designed as non-extraordinary buildings, complying with the applicable technical building regulations, with rational building volumes, modern architectural solutions and high energy efficiency indicators. The structure of the plots will allow each house to have privacy zones, separate yards and individual entrances.

Taking into account the size of the plot (7.1290 ha), the permitted uses, the prestige of the area and the limited supply, the possibility of phasing and development of the site, the appraisers have determined that the best and most cost-effective use of the mortgaged property is the development of low-intensity, single-family housing, targeted at an upscale segment of the customer base. This use maximises the value potential of the site, while maintaining the quality of the environment and the sustainability of the built environment.

The attractiveness of the project is assessed as high because:

the development is limited to only a part of a large site, which reduces investment risk;
the first phase is limited to 2 buildings, which increases the uniqueness of the project;
phased development and realisation is possible.

Liquidity of the mortgaged property is considered to be good-high, as:

sale is possible both as a development project and as individual plots with projects;
demand for detached houses in the seaside areas remains stable;
plot sizes and house sizes correspond to the needs of the market at the upper end.

The property should be seen as a functionally and economically sound development with a clear best use scenario of individual residential development following the subdivision of the plot. The envisaged technical solutions, area parameters and site characteristics create favourable conditions for the successful implementation of the project, while the attractiveness and liquidity of the mortgaged property make it a suitable collateral.

For more information about the project (see Documents) (see Loan Security Instruments).

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 15 %
Investing from 1 000.00 € - fixed interest 15.25 %
Investing from 3 000.00 € - fixed interest 15.5 %
Investing from 5 000.00 € - fixed interest 15.75 %
Investing from 7 000.00 € - fixed interest 16 %

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 24 mo.

Minimum loan period 4 mo.

Loan repayment At the end of the loan period

Estimated start date of the loan:* 2026-02-13

Estimated loan repayment date:* 2028-02-13

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 Karklės kopa

Company code 307504753

Company registration address

Kalvarijų g. 125 Vilnius Lietuva 08221

MB Karklės kopa - company incorporated on 25-11-2025. The main fields of activity: a) Construction of residential and non-residential buildings (EVRK 412000); b) Construction of new buildings; c) Earthworks on construction sites; d) Other finishing and decoration works. The community may engage in any other activity that is not contrary to the legislation of the Republic of Lithuania.

MB Karklės kopa was established as a special purpose company, the main purpose of which is the implementation of a real estate development project in Karkle in the Klaipėda region. The company's activities are focused on the development of high-end residential real estate projects in attractive seaside locations, ensuring sustainable architectural solutions, high construction quality and products that meet the needs of the market. The project includes the acquisition of a plot of land for home ownership and the development of three luxury residential buildings. The project is being developed in the strategically attractive location of Karkle, which is valued for its proximity to the Baltic Sea, limited supply of new construction and stable demand for higher-end residential housing. These factors create favourable preconditions for the successful implementation of the project and the realisation of the property.

The shareholder of the company is:

100% Virginijus Svobutas

Loan protection collateral

Loan collateral:

The property located at Placio st. 83, Karklės vil., Kretingalės mun., Klaipėdos d., Lithuania, shall be pledged as a mortgage of the first order:

71290/91290 parts of the land parcel with the following address in the territory of Klaipėdos d., Kretingalės mun., Karklės vil., Placio st. 83, total area - 9,1290 ha (part of the area - 7,1290 ha), unique No. 5528-0003-0033, cadastral No. 5528/0003:33, Girkaliiai k.v., purpose - other, use - territory of single-family and two-family dwelling houses.

Additional security:

Borrower's (corporate) guarantee (promissory note in double amount);
Director's and shareholder's guarantee;
Deposit of four (4) months interest.

Description of the mortgaged property

The mortgaged property is located in Klaipėda district, Kretingale municipality, Karklė village, Placio street 83, in a seaside recreational-residential area, which is characterised by its exceptional natural and urban context. The plot is located in the cadastral area of Girkalių, its unique number is 5528-0003-0033, the total area of the plot is 9,1290 ha.

The area is located close to the Baltic Sea coast, near natural forest masses, characterised by low intensity of development, high quality of the environment and the prestigious character of the individual residential houses. Karklė is considered to be one of the most attractive places to live and recreate in the Klaipėda region due to its natural environment, recreational resources and limited supply.

The access to the mortgaged property is convenient and fully secured, as the plot is bordered by the Placio street, which is used for car traffic. Connections to the city of Klaipėda and other regional centres are via asphalted roads. The development of engineering networks in the territory is foreseen and detailed in the solutions of the technical work project, in the part of the plot arrangement.

The plot is subject to special land use conditions (land reclamation, road, electricity network and electronic communications protection zones), which are typical for territories of this scale and do not significantly limit the planned use, as the design solutions are in line with them.

The appraisers consider the location of the mortgaged property to be highly attractive and strategically advantageous, with high environmental quality, good accessibility and stable demand. The characteristics of the site are conducive to both individual residential and recreational development, and access and infrastructure are considered sufficient and appropriate for the intended use.

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

Strengths and risks

Strengths:

The first order of real estate pledge - mortgage.
Company guarantee (bill of exchange).
4 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 15.00-16.00%.

Threats:

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

Documents

#	File name	File type	Actions
1	Nuostatai MB Karklės kopa.pdf
2	Turto vertinimo ataskaita.pdf
3	Placio g. 83 Naudojimosi tvarka.pdf
4	3_AS 2.pdf
5	2_SP 2.pdf
6	4_SK 2.pdf
7	PIID (1 etapas).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 100 000 €

LTV 65 %

Risk C (higher)

Payment of interest Every month

Loan repayment At the end of the loan period

Loan period 24 mo.

Minimum loan period 4 mo.

Collateral

Real estate pledge

Guarantees / surety

Mortgage rank First order mortgage

Amount allocated by project owner 340 000.00 €

Pobjective of the loan

About the project

The attractiveness of the project is assessed as high because:

the development is limited to only a part of a large site, which reduces investment risk;
the first phase is limited to 2 buildings, which increases the uniqueness of the project;
phased development and realisation is possible.

Liquidity of the mortgaged property is considered to be good-high, as:

sale is possible both as a development project and as individual plots with projects;
demand for detached houses in the seaside areas remains stable;
plot sizes and house sizes correspond to the needs of the market at the upper end.

For more information about the project (see Documents) (see Loan Security Instruments).

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 15 %
Investing from 1 000.00 € - fixed interest 15.25 %
Investing from 3 000.00 € - fixed interest 15.5 %
Investing from 5 000.00 € - fixed interest 15.75 %
Investing from 7 000.00 € - fixed interest 16 %

Loan term and repayment

Loan period 24 mo.

Minimum loan period 4 mo.

Loan repayment At the end of the loan period

Estimated start date of the loan:* 2026-02-13

Estimated loan repayment date:* 2028-02-13

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

2026-01-19

Assessor

UAB Vertinimo partneriai

Loan collateral:

The property located at Placio st. 83, Karklės vil., Kretingalės mun., Klaipėdos d., Lithuania, shall be pledged as a mortgage of the first order:

71290/91290 parts of the land parcel with the following address in the territory of Klaipėdos d., Kretingalės mun., Karklės vil., Placio st. 83, total area - 9,1290 ha (part of the area - 7,1290 ha), unique No. 5528-0003-0033, cadastral No. 5528/0003:33, Girkaliiai k.v., purpose - other, use - territory of single-family and two-family dwelling houses.

Additional security:

Borrower's (corporate) guarantee (promissory note in double amount);
Director's and shareholder's guarantee;
Deposit of four (4) months interest.

Description of the mortgaged property

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

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