Projects list

Business loan #00342

Waiting for investments

Amount of funding 15 000 €

Annual interest rate 14.00%

Loan period

24 mo.

Risk

B (medium)

Purpose of the loan

Business loan

Collateral Guarantees / surety

Country

Lithuania

Investors 19

Raised:
6 348 € Goal:
15 000 €

42.32%

How much will I earn if I invest:

Investment size

100.00 €

8 652.00 €

14%

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 To increase the company's working capital

Amount of funding 15 000 €

Risk B (medium)

Payment of interest Every month

Loan repayment Every month

Loan period 24 mo.

Minimum loan period 6 mo.

Collateral

Guarantees / surety

Mortgage rank Other pledge

The loan funds will be used to strengthen the stability of working capital. For this reason, the amount of allocation of the project owner's own funds is not relevant.

Investment from 50.00 €.

Interest

Annual interest rate

Investing from 50.00 € - fixed interest 14 %

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 6 mo.

Loan repayment Every month

Estimated start date of the loan:* 2024-12-27

Estimated loan repayment date:* 2026-12-27

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 LTD Jaukus būstas

Company code 302507496

Company registration address

A. Smetonos al. 21 Kaunas Lietuva 45324

Company website https://jaukusbustas.com/

Company industry Real Estate

LTD Jaukus būstas - the company specializes in the sale of building materials. The company provides brokerage services for the installation of housing and houses. The company also engages in real estate purchase and sale brokerage, helping clients find the most suitable solutions for them both at the stages of housing acquisition and installation. The company seeks to ensure comprehensive customer service, starting from the supply of building materials to the complete installation of housing. Such a wide range of services allows not only to fulfill the individual needs of clients, but also to save them time and ensure a quality result.

Sales revenue in 2022 - 219 thousand EUR, 2023 - 293 thousand EUR .
Net profit in 2022 - 9 thousand EUR, 2023 - 23 thousand EUR.
Total assets of the company in 2022 - 274 thousand EUR , 2023 - 278 thousand EUR .
Equity in assets based on the presented balance sheet as of Y 2023 was 54.8 percent.
The company has 3 employees.
Company as a Manag.-Own. has 2 registered vehicles (trucks), avg. the value of the park is 57 thousand EUR (as of 01.12.2024 date).

Loan protection collateral

Loan collateral:

Company guarantee (bill of exchange) and company' s manager and shareholder Natalija Grichonina guarantee.

Strengths and risks

Strengths:

Company guarantee (bill of exchange) and guarantee of its director and shareholder.

Weaknesses:

Borrower 's activities are in a competitive sector.

Possibilities:

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

Threats:

Uncertain economic situation.

Documents

#	File name	File type	Actions
1	Credit info finansai 2023 m..pdf
2	Istatai Jaukus būstas nauji18-10-25.pdf
3	PIID_Jaukus būstas.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 To increase the company's working capital

Amount of funding 15 000 €

Risk B (medium)

Payment of interest Every month

Loan repayment Every month

Loan period 24 mo.

Minimum loan period 6 mo.

Collateral

Guarantees / surety

Mortgage rank Other pledge

The loan funds will be used to strengthen the stability of working capital. For this reason, the amount of allocation of the project owner's own funds is not relevant.

Investment from 50.00 €.

Interest

Annual interest rate

Investing from 50.00 € - fixed interest 14 %

Loan term and repayment

Loan period 24 mo.

Minimum loan period 6 mo.

Loan repayment Every month

Estimated start date of the loan:* 2024-12-27

Estimated loan repayment date:* 2026-12-27

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 LTD Jaukus būstas

Company code 302507496

Company registration address

A. Smetonos al. 21 Kaunas Lietuva 45324

Company website https://jaukusbustas.com/

Company industry Real Estate

Sales revenue in 2022 - 219 thousand EUR, 2023 - 293 thousand EUR .
Net profit in 2022 - 9 thousand EUR, 2023 - 23 thousand EUR.
Total assets of the company in 2022 - 274 thousand EUR , 2023 - 278 thousand EUR .
Equity in assets based on the presented balance sheet as of Y 2023 was 54.8 percent.
The company has 3 employees.
Company as a Manag.-Own. has 2 registered vehicles (trucks), avg. the value of the park is 57 thousand EUR (as of 01.12.2024 date).

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