Projects list

Ūtos st. 104, Šeškai, Paįstrio mun., Panevėžio d., Lithuania (1 stage)

Waiting for investments

Amount of funding 50 000 €

LTV 57%

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

Loan for acquisition

Collateral Real estate pledge

Country

Lithuania

Investors 17

Raised:
1 700 € Goal:
50 000 €

3.40%

How much will I earn if I invest:

Investment size

100.00 €

48 300.00 €

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 Acquisition of real estate

Amount of funding 50 000 €

LTV 57 %

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 100 000.00 €

Purpose of the Loan

The amount required for financing is 100,000 EUR, which is being raised in stages. The loan proceeds will be used to purchase real estate. A real estate complex located at 104 Ūtos St., Šeškai, Paįstrio mun., Panevėžys district, Lithuania, consisting of a 0.0509 ha plot of land and a renovated single-family residential house. The market value of the mortgaged property is 175,000 EUR, and the loan-to-value (LTV) ratio is approximately 57%. The borrower is MB Stella Partners LT. The loan will be repaid by refinancing it with another financial institution or from the proceeds of the sale of the real estate. The amount that the project owner is contributing to the project is 100,000 EUR.

About the Project

The project consists of a land parcel and a renovated residential house located on it at 104 Ūtos St., Šeškai, Paįstrio mun., Panevėžys district, Lithuania. The land plot’s unique No. is 6604-0025-0121, cadastral No. 6604/0025:121 in the Bernatoniai cadastral area, with an area of 0.0509 ha, or 509 square meters. Primary intended use: agricultural; type of use: allotment garden plots. The plot was formed through cadastral surveying.

The building has been renovated and is currently used as a single-family residence. On April 15, 2026, a cadastral note regarding the building permit issued for the renovation was entered into the register. The market value appraisal report was prepared based on the specific assumption that the new cadastral data, the actual residential use, and the parameters of the renovated building will be properly legalized and registered; It is also clearly noted that if this assumption proves to be incorrect, the determined market value of the property could change.

In the summary of the market value appraisal report, the reconstructed building is already analyzed as a 107.76 sq. m single-family residential house. The project documents provide several additional area measurements. The general building specifications indicate a total area of 101.42 square meters and a usable area of 83.40 square meters, a volume of 475 cubic meters, two stories, a height of 6.76 m, one apartment, and an A++ energy efficiency class. According to the floor plan, the total area of all rooms, including an 18.02-square-meter veranda, is 119.44 square meters. The layout includes a living room, kitchen, bathroom, bedroom, utility room, veranda, and two large rooms on the attic floor.

As currently constructed, the house is a single-story structure with an attic/loft and a pitched roof. The walls are made of cinder blocks, the roof is covered with metal, the foundation is concrete, and the floor structure is wooden; interior flooring consists of tiles and parquet, the walls and ceilings are painted, the windows are plastic with double-pane glass, the doors are laminated, and there is a glassed-in terrace and a fireplace. The appraisers described the overall physical condition of the building as good. This is also confirmed by the photos provided: they show a neatly furnished living space, a kitchen area, a fireplace, a modern glass-enclosed terrace, a well-maintained lot, and solar panels installed on the roof.

The building has an autonomous utility system. Water is supplied from a well on the property via a pump; wastewater is treated in an on-site wastewater treatment plant with a capacity of 5 cubic meters per day and an infiltration well; electrical utility lines are in place. There is no mention of centralized gas, heating, communications, or stormwater drainage networks in the documentation. The design solutions call for an air-to-water heat pump for building heating, and the electrical system is connected from the meter cabinet. The submitted photograph of the utility room shows modern electrical and water equipment as well as a solar power inverter.

The lot has been landscaped and features a lawn and paving stones. The design plans call for approximately 143 square meters of concrete paving stones. The area surrounding the lot is predominantly low-rise residential development.

The best and most economically rational use of the property is its current one—for residential purposes as a single-family home. The market value appraisal report directly states that as of October 6, 2026, the property was fully equipped as a single-family home and that its maximum and best use is for residential purposes.

On October 6, 2026, the market value of the entire property complex was determined to be 175,000 EUR, of which EUR 157,500 was attributed to the residential house and EUR 17,500 to the land parcel. The revised, prudently conservative value of the entire complex is 160,475 EUR. The market value was determined using the comparative approach.

The property’s appeal is enhanced by its good physical condition, recent renovations, modern interior finishes, a glass-enclosed terrace, a fireplace, solar energy equipment, a heat pump system, a landscaped area, a paved street, and a relatively small, low-maintenance 509 sq. m. lot. The property is essentially move-in ready and does not require any significant immediate investments in finishing work.

Potential buyers include families and individual buyers seeking a modern, relatively compact single-family home in the Panevėžys district, as well as buyers who value a less densely populated residential environment and independent utility systems. The property is a detached house in good physical condition, renovated and ready for occupancy, with a well-maintained 509 sq. m. lot. The property’s technical condition and the improvements made are positive factors for liquidity.

More about the project (see Documents).

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:* 2026-11-13

Estimated loan repayment date:* 2028-11-13

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 Stella Partners LT

Company code 307512127

Company registration address

Kalvarijų g. 125 Vilnius Lietuva 08221

MB Stella Partners LT – a company established on December 4, 2025, company code 307512127. The company’s primary area of activity is the leasing and management of owned or leased real estate (EVRK 682000). According to the association’s bylaws, this activity is the association’s primary purpose; however, the association may also engage in any other activity that does not conflict with the laws of the Republic of Lithuania.

Association Member / Beneficiary:

Markus Palionis—the direct owner of MB Stella Partners LT, holding 100% of the shares. Markus Palionis has also been the partnership’s manager since August 13, 2026.

Loan protection collateral

Loan collateral:

Property pledged as a first-priority mortgage located at 104 Ūtos St., Šeškai, Paįstrio mun., Panevėžys district, Lithuania:

A land parcel located at Ūtos St. 104, Šeškai, Paįstrio mun., Panevėžys district, Lithuania, unique No. 6604-0025-0121, cadastral No. – 6604/0025:121 Bernatonių cadastral area, plot area – 0.0509 ha, primary intended use – Agricultural, type of use – Allotments for hobby gardens;
Building – Garden building located at 104 Ūtos St., Šeškai, Paįstrio mun., Panevėžys district, Lithuania, unique No. 6698-4047-5014, total area – 33.06 sq. m, primary intended use of the property – Allotment gardens, completion rate – 100%. The garden building has been renovated into a two-story single-family residential house with an area of 119.44 sq. m. It is currently undergoing cadastral surveying and registration.

Value of the mortgaged property: 175,000 euros.

Additional security measures:

Company (borrower) guarantee (promissory note for double the amount);
Personal surety by shareholder Markus Palionis;
A deposit equal to 3 (three) months’ interest.

Description of the property being pledged

The real estate being pledged is located at 104 Ūtos St., Šeškai, Paįstrio mun., Panevėžys district, Lithuania. The property is located in a rural residential area characterized by low-density farmstead development, single-family homes, garden plots, and agricultural land. The surroundings of the Paįstrio municipality are dominated by small settlements, forested areas, and agricultural landscapes. Daily services and social infrastructure are primarily concentrated in the town of Paįstrio and the city of Panevėžys. Transportation to Panevėžys and other settlements is provided by a network of local and regional roads, and the “Via Baltica” highway crosses the municipality’s territory, providing convenient access to other regions of Lithuania.

The property’s location is suitable for buyers seeking a permanent residence in a quieter, less densely built-up area while still maintaining access to the city of Panevėžys. In the market valuation report, the property’s location is described as average due to its rural character, limited access to services, and distance from larger urbanized areas.

Access to the lot is from Ūtos Street. The project documents indicate that the existing asphalt pavement of Ūtos Street runs alongside the lot, and access to the lot is planned via a paved area. The exterior photos provided also show the finished access road and the plot’s grounds, including a paved parking area, a lawn, and a hedge.

The property’s location is considered a residential area of moderate appeal. Positive factors include a quiet environment with low-rise residential buildings, the paved Ūtos Street, a well-maintained access road, connectivity to the city of Panevėžys, and relatively good regional transportation infrastructure. The location’s appeal is diminished by its rural setting and limited access to social and commercial infrastructure, and an additional risk factor is that part of the plot is located within a surface water protection zone and is registered as being at risk of flooding.

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

Strengths and risks

Strengths:

Company guarantee (bill of exchange) and its shareholder guarantee.
The first order of real estate pledge - mortgage.
The project is near the end.
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 15.00-16.00%.

Threats:

A young company.
Uncertain economic situation.

Documents

#	File name	File type	Actions
1	Nuostatai MB Stella Partners LT
2	Turto vertinimo ataskaita
3	TP
4	PIID (1 etapas)

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 Acquisition of real estate

Amount of funding 50 000 €

LTV 57 %

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 100 000.00 €

Purpose of the Loan

About the Project

More about the project (see Documents).

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:* 2026-11-13

Estimated loan repayment date:* 2028-11-13

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

57%

Documentation

Asset Valuation Report

Report preparation date

2026-10-06

Assessor

UAB Vertinimo partneriai

Loan collateral:

Property pledged as a first-priority mortgage located at 104 Ūtos St., Šeškai, Paįstrio mun., Panevėžys district, Lithuania:

A land parcel located at Ūtos St. 104, Šeškai, Paįstrio mun., Panevėžys district, Lithuania, unique No. 6604-0025-0121, cadastral No. – 6604/0025:121 Bernatonių cadastral area, plot area – 0.0509 ha, primary intended use – Agricultural, type of use – Allotments for hobby gardens;
Building – Garden building located at 104 Ūtos St., Šeškai, Paįstrio mun., Panevėžys district, Lithuania, unique No. 6698-4047-5014, total area – 33.06 sq. m, primary intended use of the property – Allotment gardens, completion rate – 100%. The garden building has been renovated into a two-story single-family residential house with an area of 119.44 sq. m. It is currently undergoing cadastral surveying and registration.

Value of the mortgaged property: 175,000 euros.

Additional security measures:

Company (borrower) guarantee (promissory note for double the amount);
Personal surety by shareholder Markus Palionis;
A deposit equal to 3 (three) months’ interest.

Description of the property being pledged

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

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