Projects list

Residential quarter Javų st., Šiauliai, Lithuania (2 stage)

Waiting for investments

Amount of funding 80 000 €

LTV 41%

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 13

Raised:
9 892 € Goal:
80 000 €

12.37%

How much will I earn if I invest:

Investment size

100.00 €

70 108.00 €

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 Real estate development

Amount of funding 80 000 €

LTV 41 %

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 299 000.00 €

PPurpose of the Loan

The financing requires a total of 210,000 EUR, which is being raised in stages. Part of the loan proceeds will be used to refinance the existing loan from UAB Nordstreet, while another portion will be used for the real estate project—specifically, the design of a neighborhood consisting of single-family and multi-family residential buildings, as well as other work required to obtain a building permit and to begin construction on the first phase of the neighborhood. The loan will be repaid by refinancing it with another financial institution or from the proceeds of the sale of the developed property. The amount that the project owner is contributing to the project is 299,000 EUR.

About the Project

The development consists of 20 land plots, whose designated for single-family and two-family residential buildings, and one plot designated for transportation and utility infrastructure facilities. All plots form a complete whole—a residential neighborhood with a plot designated for transportation and utility infrastructure facilities, intended for the construction of a neighborhood of single-family and townhouses.

In the appraisers’ opinion, the designated use of the land plots corresponds to their current use (areas for single-family and two-family residential buildings, and areas for transportation and utility corridors); and alternative use would only be possible after a change in designated use.

Significant site development and preparation work was carried out in 2025, which had a direct impact on the increase in the market value of the land parcels.

Main work performed and circumstances:

1. Area design work was carried out: design solutions were prepared and developed, preliminary work on area planning and development was performed, and documentation was prepared to obtain building permits.

2. Engineering infrastructure is being developed: utilities are being planned and designed, design work for roads and access roads is underway, and infrastructure solutions are being prepared for future construction phases.

3. The project has made significant progress in the development stage: the site is being prepared for full development pending the issuance of building permits; investments in design and infrastructure preparation have reduced the project’s development risks and increased its investment appeal.

More about the project (see Documents) (see Loan Collateral).

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:* 2026-07-21

Estimated loan repayment date:* 2027-07-14

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 Audinlita

Company code 303285162

Company registration address

Aukštrakių 43 Sutkūnai Lietuva 76116

Company industry Real Estate

UAB Audinlita — a company established on April 9, 2014. Main areas of activity: a) Breeding of fur-bearing animals (EVRK 014910); b) Real estate project development. The company may engage in any other activities that do not conflict with the laws of the Republic of Lithuania.

UAB Audinlita—current main activity: construction of single-family and two-family residential homes. The company’s activities are focused on creating modern, high-quality, and energy-efficient homes. Currently, the company is beginning to develop a neighborhood of single-family and two-family residential homes in Šiauliai, on Javų Street.

Kęstutis Patkauskas is the company’s sole shareholder.

Loan protection collateral

Loan Collateral:

Property pledged as first-priority mortgage located on Javų St., Šiauliai City Municipality, Lithuania:

A land parcel with unique No. 4400-6226-3921, area 0.0423 ha, address Šiauliai, 63G Javų St., designated use: other; land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3600, area 0.0423 ha, address: Šiauliai, Javų St. 61J, designated use: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3654, area 0.0423 ha, address: Šiauliai, Javų St. 63, designated use: other, land use category: area for single-family and two-family residential buildings;
A land plot with unique No. 4400-6226-3732, area 0.0423 ha, located at Šiauliai, Javų St. 63A, designated for “other” purposes, with the land use category “Areas for single-family and two-family residential buildings”;
Land plot with unique No. 4400-6226-3776, area 0.0423 ha, located at Šiauliai, Javų St. 63B, purpose: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3832, area 0.0423 ha, address: Šiauliai, Javų St. 63C, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3854, area 0.0423 ha, address: Šiauliai, Javų St. 63D, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3876, area 0.0423 ha, address: Šiauliai, Javų St. 63E, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3887, area 0.0423 ha, address: Šiauliai, Javų St. 63F, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3565, area 0.0416 ha, address: Šiauliai, Javų St. 61Y, designated use: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3465, area 0.0410 ha, address: Šiauliai, Javų St. 61H, designated use: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3365, area 0.0990 ha, address: Šiauliai, Javų St. 61G, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3332, area 0.0512 ha, address: Šiauliai, Javų St. 61F, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-1460, area 0.0483 ha, address: Šiauliai, Javų St. 61E, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-1092, area 0.0803 ha, address: Šiauliai, Javų St. 61D, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-0940, area 0.0405 ha, address: Šiauliai, Javų St. 61C, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-9696, area 0.0426 ha, address: Šiauliai, Javų St. 61B, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6225-9685, area 0.0446 ha, address: Šiauliai, Javų St. 61A, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3510, area 0.0414 ha, address: Šiauliai, Javų St. 61I, purpose: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6225-9663, area 0.0466 ha, address: Šiauliai, Javų St. 61, designated use: other, land use category: area for single-family and two-family residential buildings;
A land plot with unique No. 4400-6226-4184, area 0.2291 ha, address: Šiauliai (no address assigned to the plot), area designated for transportation and utility infrastructure facilities.

Value of the mortgaged property: 509,000 euros.

Additional security measures:

Company guarantee (promissory note);
Surety provided by shareholder and director Kęstutis Patkauskas.

Description of the property being pledged

The land plots being pledged are located at: Šiauliai, Javų St. 61Y, Javų St. 63G, Javų St. 61J, Javų St. 63, Javų St. 63A, Javų St. 63B, Javų St. 63C, Javų St. 63D, Javų St. 63E, Javų St. 63F, Javų St. 61H, Javų St. 61G, Javų St. 61F, Javų St. 61E, Javų St. 61D, Javų St. 61C, Javų St. 61B, Javų St. 61A, Javų St. 61I, Javų St. 61, Šiauliai (in valuation zone 44.26). This value zone consists of residential areas and agricultural land parcels. Private owners of agricultural land are changing the land use designation, subdividing the plots, and selling them to private buyers or companies, thereby creating new residential neighborhoods.

The mortgaged real estate (a group of plots) is located in the southern part of Šiauliai, in an emerging residential development area. The mortgaged land plots are located approximately 6 km from the center of Šiauliai. There is convenient access to the city center and other city districts via public and private transportation, and there is good access to the mortgaged property (asphalt-paved Gytarių St., approximately 100 m of gravel-paved Javų St.). Near the mortgaged property are Gytarių Park, the “Eglutė” nursery school in Šiauliai (about 950 m away), the “Žiogelis” nursery school in Šiauliai“Žiogelis” (distance approximately 1.4 km), Šiauliai Gytarių Lower Secondary School (distance approximately 800 m), Šiauliai “Romuvos” High School (distance approx. 1.4 km), and a nearby bus stop (distance approx. 100 m).

The lots are irregularly polygonal in shape, have flat terrain, are covered with grass, and construction has not yet begun. Access is via the paved Gytarių Street and approximately 100 m of a gravel road. The lots border on undeveloped residential lots. Detached and semi-detached residential homes are being built nearby. The mortgaged property constitutes a complete complex—a residential neighborhood with a service lot for access roads and utilities, intended for the construction of single-family and semi-detached homes.

For more detailed 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:

Borrower 's activities are in a competitive sector.
The company is operating at a loss.
The company experienced a loss.

Possibilities:

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

Threats:

Uncertain economic situation.
Property is in development stage.
Rising cost of building materials.

Documents

#	File name	File type	Actions
1	Audinlita įstatai.pdf
2	Žemės sklypų planai.pdf
3	Turto vertinimo ataskaita.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 80 000 €

LTV 41 %

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 299 000.00 €

PPurpose of the Loan

About the Project

Significant site development and preparation work was carried out in 2025, which had a direct impact on the increase in the market value of the land parcels.

Main work performed and circumstances:

More about the project (see Documents) (see Loan Collateral).

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:* 2026-07-21

Estimated loan repayment date:* 2027-07-14

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

41%

Documentation

Asset Valuation Report

Report preparation date

2026-04-20

Assessor

UAB Vertinimo partneris

Loan Collateral:

Property pledged as first-priority mortgage located on Javų St., Šiauliai City Municipality, Lithuania:

A land parcel with unique No. 4400-6226-3921, area 0.0423 ha, address Šiauliai, 63G Javų St., designated use: other; land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3600, area 0.0423 ha, address: Šiauliai, Javų St. 61J, designated use: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3654, area 0.0423 ha, address: Šiauliai, Javų St. 63, designated use: other, land use category: area for single-family and two-family residential buildings;
A land plot with unique No. 4400-6226-3732, area 0.0423 ha, located at Šiauliai, Javų St. 63A, designated for “other” purposes, with the land use category “Areas for single-family and two-family residential buildings”;
Land plot with unique No. 4400-6226-3776, area 0.0423 ha, located at Šiauliai, Javų St. 63B, purpose: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3832, area 0.0423 ha, address: Šiauliai, Javų St. 63C, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3854, area 0.0423 ha, address: Šiauliai, Javų St. 63D, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3876, area 0.0423 ha, address: Šiauliai, Javų St. 63E, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3887, area 0.0423 ha, address: Šiauliai, Javų St. 63F, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3565, area 0.0416 ha, address: Šiauliai, Javų St. 61Y, designated use: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3465, area 0.0410 ha, address: Šiauliai, Javų St. 61H, designated use: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3365, area 0.0990 ha, address: Šiauliai, Javų St. 61G, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3332, area 0.0512 ha, address: Šiauliai, Javų St. 61F, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-1460, area 0.0483 ha, address: Šiauliai, Javų St. 61E, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-1092, area 0.0803 ha, address: Šiauliai, Javų St. 61D, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-0940, area 0.0405 ha, address: Šiauliai, Javų St. 61C, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-9696, area 0.0426 ha, address: Šiauliai, Javų St. 61B, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6225-9685, area 0.0446 ha, address: Šiauliai, Javų St. 61A, purpose: other, land use: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6226-3510, area 0.0414 ha, address: Šiauliai, Javų St. 61I, purpose: other, land use category: area for single-family and two-family residential buildings;
Land plot with unique No. 4400-6225-9663, area 0.0466 ha, address: Šiauliai, Javų St. 61, designated use: other, land use category: area for single-family and two-family residential buildings;
A land plot with unique No. 4400-6226-4184, area 0.2291 ha, address: Šiauliai (no address assigned to the plot), area designated for transportation and utility infrastructure facilities.

Value of the mortgaged property: 509,000 euros.

Additional security measures:

Company guarantee (promissory note);
Surety provided by shareholder and director Kęstutis Patkauskas.

Description of the property being pledged

For more detailed information (see About the Project) (see Documents).

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