Projects list

Vytauto st. 12, Aleksandrava, Semeliškių mun., Elektrėnų d., Lithuania (1 stage)

Waiting for investments

Amount of funding 120 000 €

LTV 60%

Annual interest rate 12.00% - 13.00%

Total expected project return 12.00% - 12.99%

Loan period

12 mo.

Risk

B (medium)

Purpose of the loan

Development loan

Collateral Real estate pledge

Country

Lithuania

Investors 18

Raised:
1 745 € Goal:
120 000 €

1.45%

How much will I earn if I invest:

Investment size

100.00 €

118 255.00 €

12% 12.25% 12.5% 12.75% 13%

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 120 000 €

LTV 60 %

Risk B (medium)

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 243 000.00 €

Objective of the loan

The amount of EUR 417 000 is required for the financing, which is being raised in stages. The loan proceeds will be used for the acquisition and the start of development of a real estate project - a complex of buildings for recreational purposes, located at Vytauto st. 12, Aleksandrava, Semeliškių mun., Elektrėnai d., Lithuania, with a total area of 1 349,46 sq. m., for which a technical construction project has been drawn up and a construction approval has been granted. 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 contributed by the project owner himself is EUR 243 000.

About the project

The mortgaged property consists of a plot of land and a warehouse building registered thereon. The land plot, unique No. 4400-6116-0994, cadastre No. 7967/0001:1122, in Semeliškės k. v., has an area of 2.6232 ha, main use - other, use type - recreational territories. The plot was formed by merging previous immovable properties and cadastral measurements have been carried out. A 367,46 sq. m. building - warehouse is registered on the plot.

A technical project has been prepared and approval has been obtained for the construction of the object "Project for the construction of buildings for recreation purposes in Elektrėnai d., Aleksandrava, Vytauto st. 12". Type of construction - construction of new buildings, category of buildings - non-extraordinary buildings. The project specifies that the existing registered warehouse building is to be demolished, and a new recreational development structure is to be designed on the plot.

The technical design provides for the construction of 20 buildings: 18 recreational buildings, one storage building and one bathhouse. Each of the 18 recreational buildings has a design gross floor area and usable floor area of 74,97 m2 , a volume of 408 cubic metres, a number of storeys of one, a height of 4,30 m, an energy efficiency class of at least A++, an acoustical comfort class of C, and a fire resistance class of II. The total design area of the 18 recreational buildings is 1 349,46 sq. m. The design area of the storage building is 170,62 sq. m, the volume is 662 cubic metres, the height is 3,20 m, and that of the sauna building is 24,10 sq. m, the volume is 140 cubic metres, the height is 3,70 m. The total area of the buildings is approximately 1 544,18 sq. m, and the estimated density of the plot is 8,70 %, The designed recreational buildings shall be single storey, with overlapping roofs, oriented so that the living, dining and living areas have a visual connection with the surroundings and the water body. Each of the recreational buildings shall comprise a living room, a kitchen and a dining room, a bedroom-living area, a sanitary unit, a storage room and an outdoor terrace. The façades of the buildings are designed with a combination of structural plaster and thermo-masonry, dark grey window and door elements, and an overlapping roof with an adhesive coating. The structural solutions include drilled piles and monolithic strip trusses, ceramic block masonry load-bearing walls, ceramic block or brick internal partitions, prefabricated or monolithic reinforced concrete lintels, and reinforced concrete slabs for roofing. These solutions are in line with the concept of a modern, low-rise recreational complex integrated into the natural environment.

The site layout is oriented towards the integrated use of the recreational facility: a beach area by the water body, wooden terraces next to the recreational buildings, landscaped areas for quiet recreation, asphalted internal access roads, pedestrian walkways, parking spaces and local engineering infrastructure. Modern complex of low-rise holiday homes next to a water body, with landscaped shoreline, lime tree, lounge furniture, greenery, internal roads, playgrounds and recreational spaces.

Taking into account the registered use of the plot as recreational area, its direct position next to the water body, the complex of recreational buildings envisaged in the technical design, the high physical deterioration of the registered warehouse and its removal envisaged in the design, the best use of the mortgaged property is the development of the recreational area into a holiday home/short-term accommodation, a private recreation or a small resort-type complex next to a water body. This use is in line with the legal designation of the site, the natural environment, the design solutions and the direction of maximum realisation of the economic potential of the property. The independent storage use of the existing warehouse is not considered to be an optimal long-term use of the property due to its deterioration, the lack of engineering infrastructure, the recreational use of the site and the demolition envisaged in the project.

The attractiveness of the property is enhanced by the large, contiguous plot area, recreational use, direct access to a water body, natural and low-urbanised environment, accessibility from Vilnius, Trakai and Elektrėnai, detailed technical project documentation, modern low-rise recreational buildings of class A++, local engineering infrastructure and comprehensively planned recreational spaces. Additional attractiveness is created by the possibility to develop the territory in phases - as an individual holiday home rental project, as a joint accommodation and wellness complex, as a private club-type recreational facility or as an investment project focused on the sale of individual recreational units to final buyers.

From the point of view of liquidity, the coastal plots suitable for recreational development and within easy reach of Vilnius, Trakai and Elektrėnai, are attractive to target investors. The liquidity is positively influenced by the prepared technical project, the large size of the plot, the provided infrastructure and a clear development concept.

The property is a recreational land plot by a water body with a registered, but physically deteriorated, warehouse building and a documentation for the development of a modern complex of buildings for recreational purposes, ready to start construction works. The potential of the property is linked to the redevelopment of the site and the realisation of a recreational project. The waterfront location, sufficient plot area, low-rise architecture, internal infrastructure, recreational and beach areas provide strong prerequisites for investment attractiveness.

For more information on the project (see Documents) (see Loan Security Measures).

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 12 %
Investing from 1 000.00 € - fixed interest 12.25 %
Investing from 3 000.00 € - fixed interest 12.5 %
Investing from 5 000.00 € - fixed interest 12.75 %
Investing from 7 000.00 € - fixed interest 13 %

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:* 2026-06-12

Estimated loan repayment date:* 2027-06-12

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 RG projektai

Company code 307171245

Company registration address

Veiverių g. 9B - 41 Vilnius Lietuva LT-11346

UAB RG projektai - company incorporated on 13 May 2025. The main activities of the company are: (a) Real estate agency activities (EVKR 683100); (b) Real estate operations for consideration or on a fee or contract basis; (c) Management of real estate for consideration or on a fee or contract basis; (d) Renting and operating of own or leased immovable property; (e) Purchase and sale of own immovable property; (f) Construction of residential and non-residential buildings. The Company may engage in any other activity which is not contrary to the legislation of the Republic of Lithuania.

UAB RG Projektai is a company operating in the field of real estate, which is engaged in the purchase, sale and development of real estate, as well as in the implementation of construction projects. The company plans to provide professional services from the acquisition of plots or objects to the full realization and sale of projects, ensuring high quality and value growth for clients and partners.

The shareholder of the company is 100% Irina Petrauskienė.

Loan protection collateral

Loan collateral:

The property located at Vytauto st. 12, Aleksandrava, Semeliškių mun., Elektrėnai d, Lithuania shall be pledged as a mortgage of the first rank:

Land plot with address Vytauto st. 12, Aleksandrova vil., Semeliškės mun., Elektrėnai d., Lithuania, unique No. 4400-6116-0994, cadastral No. - 7967/0001:112, Semeliškės k. k., Lithuania, area - 2,6232 ha, the main use of the property is Other, the manner of use - Recreational territories;
Building - Warehouse, the address of which is Vytauto st. 12, Aleksandrova vil., Semeliškės mun., Elektrėnai d., Lithuania, unique No. 7996 5017-8008, total area - 367,46 sq. m, the main use of the object - Warehouse, completeness - 100%.

Value of the mortgaged property: EUR 695 000.

Additional security:

Guarantee by the company (borrower) (promissory note in double amount);
Personal guarantee by Irina Petrauskienė, director and shareholder.

Description of the pledged property

The pledged immovable property - a land plot of 2.6232 ha and a building - warehouse registered therein - is located at the address of the Elektrėnai d., Semeliškių mun., Aleksandravos vil., Vytauto st. 12. The main use of the land plot is other, the use method is recreational territories; the land plot was formed by merging the plots that were previously separate immovable objects and was formed by cadastral measurements. The mortgaged property is located in the southern part of the Elektrėnai municipality, in the village of Aleksandrava, in the territory between Elektrėnai and Trakai, characterised by a rural landscape with low intensity of development, water bodies, forest masses, meadows and an environment favourable for recreational activities. The mortgaged property is located approximately 10 km from Elektrėnai, 18 km from Trakai and 54 km from Vilnius, which allows the property to be accessible from larger cities while maintaining a recreational environment away from intensive urban development.

The mortgaged property is situated in an exceptional natural location, with the southern part of the plot bordering Lake Gelvio and a direct connection to the water body, the coastline and the planned recreational infrastructure. The coastal location is a key advantage of the site, allowing for the development of a complex of recreational, accommodation, wellness or private recreational uses. The site's setting is dominated by single dwellings, agricultural land, plantations, woodland and water bodies; no intensive commercial or industrial development has been identified in the immediate area. The technical design documents indicate that no potential pollution hotspots have been visually identified and the site is not located within the boundaries of, or adjacent to, any immovable cultural property, protected areas or nature reserves.

The site is irregularly shaped, with a polygonal topography, with the terrain sloping downwards in the direction of the water body, and the technical design documents indicate that in the area of the proposed development, the absolute height of the land varies between approximately 114.74 m and 110.24 m. This relief structure is visually and functionally favourable for recreational development, as it allows for the orientation of buildings and recreational spaces towards the water body, terraces, green areas, pedestrian links and waterfront infrastructure. The site contains 1,4900 ha of grassland and natural pastures, 0,5396 ha of forest land, 0,1420 ha of roads, 0,0675 ha of built-up area and 0,3841 ha of other land, a combination which allows not only for the development of the site, but also for the retention of the green areas, the recreational areas and the landscaping areas.

Access to the mortgaged property is foreseen and actually possible from Vytautas Street, which borders the northern part of the plot. The technical design indicates that access to the site is to be provided from Vytautas Street, with an asphalt driveway in the northern part of the site, and asphalt driveways and parking areas for internal circulation and parking. The design provides for 32 parking spaces, 1 990 square metres of asphalt paving, 944 square metres of concrete paving, 278 square metres of crushed stone or other surfacing, 1 048 square metres of wooden terraces or other surfacing, and 2 989 square metres of sand/beach area. These solutions show that the site has been designed as a coherent recreational complex with an established infrastructure for inland movement, parking and waterside recreation.

In terms of engineering infrastructure, the location of the mortgaged property is suitable for the planned recreational development: the technical design indicates that the electricity network is located in Vytautas Street, the water supply is to be provided by a local borehole, and the domestic and storm water management is to be provided by local solutions.

The mortgaged property is located in a very attractive recreational area near the Gelvio Lake, in a part of the municipality of Elektrėnai, with connections to the towns of Elektrėnai, Trakai and Vilnius. The direct contact with the water body, the landscape with low urbanisation intensity, the access from Vytautas Street, the internal roads, parking and engineering infrastructure provide favourable conditions for the development of a recreational project. The use of the site is limited by the requirements for the protection of the coastline, water bodies, power grids and roads, as well as by registered easements, but according to the submitted documents these circumstances are identified in the design solutions and do not, in themselves, exclude the recreational development potential of the site.

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 borrower had a real estate loan from Nordstreet, which he repaid on time.

Weaknesses:

The borrower has been operating for less than two years.
Borrower 's activities are in a competitive sector.

Possibilities:

The annual interest rate payable by the borrower is 12.00-13.00%.

Threats:

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

Documents

#	File name	File type	Actions
1	Įstatai UAB RG projektai.pdf
2	Turto vertinimo ataskaita.pdf
3	Techninis projektas.pdf
4	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 120 000 €

LTV 60 %

Risk B (medium)

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 243 000.00 €

Objective of the loan

About the project

For more information on the project (see Documents) (see Loan Security Measures).

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 12 %
Investing from 1 000.00 € - fixed interest 12.25 %
Investing from 3 000.00 € - fixed interest 12.5 %
Investing from 5 000.00 € - fixed interest 12.75 %
Investing from 7 000.00 € - fixed interest 13 %

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:* 2026-06-12

Estimated loan repayment date:* 2027-06-12

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

2026-04-28

Assessor

UAB „Vertinimo partneriai“

Loan collateral:

The property located at Vytauto st. 12, Aleksandrava, Semeliškių mun., Elektrėnai d, Lithuania shall be pledged as a mortgage of the first rank:

Land plot with address Vytauto st. 12, Aleksandrova vil., Semeliškės mun., Elektrėnai d., Lithuania, unique No. 4400-6116-0994, cadastral No. - 7967/0001:112, Semeliškės k. k., Lithuania, area - 2,6232 ha, the main use of the property is Other, the manner of use - Recreational territories;
Building - Warehouse, the address of which is Vytauto st. 12, Aleksandrova vil., Semeliškės mun., Elektrėnai d., Lithuania, unique No. 7996 5017-8008, total area - 367,46 sq. m, the main use of the object - Warehouse, completeness - 100%.

Value of the mortgaged property: EUR 695 000.

Additional security:

Guarantee by the company (borrower) (promissory note in double amount);
Personal guarantee by Irina Petrauskienė, director and shareholder.

Description of the pledged property

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

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