Project overview

Loan amount request:
€ 35,000
Target
€ 35,000
Minimum
€ 35,000
Funded
60 M
Loan term (Legal maturity)
10 %
Borrower interest rate
431
Number of investors
100%
€ 0 left
  • Property information
  • Project overview
  • Borrower information
  • Loan information
  • Collateral information
  • Investment risks

Property information

Municipality
Zarasų r. sav.
City
Degučių sen.
Nighborhood
Trinkuškių k.
Street
Trinkuškiai
Street number
15
Flat number
Land area
4.49
What type of land ownership?
Freehold
Do you have a recent appraisal of the property?
Yes
Property value
€ 100,000

Project overview

Project name
UAB "Technokosmeda" apyvartinių lėšų paskola
Reason for loan
Apyvartinės lėšos
I will repay this loan...
iš pardavimo pajamų ir/ar dalies pelno (teikiu paraišką anuiteto (nuolatiniai paskolai))

Property type
Private house(s)
Project status
I am not planning on renovating / developing
Do you have an approved technical project right now?
No
Project timeline:
Remaining time to project completion from today
greater than 12 months
Will this project require multiple stages of financing?
Yes
If yes, how many stages of financing?
2
Which stage of financing is this loan for?

Other comments / description of project

UAB „Technokosmeda“ („Projekto savininkas“) gamina ultragarsinius kosmetikos ir medicinos prietaisus. Projekto savininko direktorius Oleksand Marchenko yra mokslų daktaras, turintis išradimų patentavimo patirties, medicinos srityje dirbantis visą gyvenimą.

Projekto ištakos - tarybinė kosmoso programa “Buran”, kuriai vadovavo UAB „Technokosmeda” direktorius ir vienas iš įmonės steigėjų Oleksandr Marchenko. Programos “Buran” metu buvo atliekami bandymai, kuriais siekta išsiaiškinti, kaip padidinti kosmonautų galimybes daug kartų ir dažnai kilti į kosmosą bei nusileisti. Bandymų metu buvo pastebėtas teigiamas plataus dažnio ultragarso poveikis tiriamiems gyvūnams ir žmonėms. Šis atradimas, paskatinantis atsinaujinti ląsteles, buvo įdiegtas ir į ultragarsinį kosmetinį prietaisą „Evolar“, kurį kartu su dukterine įmone Ukrainoje sukūrė UAB „Technokosmeda“.

Nedidelio dydžio sudėtingas inžinerinis gaminys organizme skatina senų ląstelių atsinaujinimą, virsmą į naujas. Šių procesų specifiką 2014 - 2017 m. publikavo Harvardo, Stanfordo ir Masačiusetso universitetai, o 2002 m. ir 2012 m. šios idėjos, kuriomis remiasi O. Marchenko ir jo komanda, buvo įvertintos ir Nobelio premijomis.

SAVY sutelktinio finansavimo platformos operatoriaus atrinkto ir skelbiamo finansuotojams Projekto savininko Projekto paskirtis - apyvartinių lėšų papildymas komplektuojančioms dalims įsigyti. Pagamintus produktus (įrenginius) numatoma transportuoti ir pristatyti į Vokietiją vienam iš rinkos lyderių, turinčių ilgalaikę patirtį (nuo 1973 metų) grožio paslaugų sektoriuje. Projekto savininkas bendradarbiauja su pirkėju.
Pastaba: Ilgus metus dukterinė įmonė Ukrainoje gamino ir tiekė naujovišką ultragarsinę medicininę aparatūrą tokioms Vokietijos įmonėms kaip „Ionto Health and Beauty“, „Wellcomed“, „Nemectron“ ir kitoms. Įranga buvo pardavinėjama 51 pasaulio šalyje.


Projekto savininkas Projektą planuoja įgyvendinti trimis etapais:
1 etapas – trūkstamų detalių pirkimas ir jų pristatymas Projekto savininkui;
2 etapas – produkto gamyba;
3 etapas – produkto pridavimas pirkėjui ir atsiskaitymas.

1-ojo etapo metu
1 - 5 mėn.: sutelktinio finansavimo paskola (35 000 EUR) finansuojamas trūkstamų papildomų komplektuojančių dalių įsigijimas. Trūkstamos dalys bus perkamos tiek Lietuvoje, tiek Ukrainoje.

2-ojo etapo metu
5 - 12 mėn.: Projekto savininkas baigs gaminti indvidualaus naudojimo kosmetinius prietaisus, naudojant Projekto savininko jau turimus įrenginius ir technologijas, komandos patirtį ir žinias. Projekto savininkas pats prižiūrės gamybą ir gaminamų įrenginių kokybę, todėl bet kokių gamybinių nukrypimų atveju turės galimybę operatyviai reaguoti į galimus nesklandumus. Per šį laikotarpį tikimasi pagaminti visą produkciją ir pilnai patenkinti užsakymą.

3-iojo etapo metu
12 - 60 mėn.: Projekto savininkas pristatys gaminius pirkėjui. Tiksli data, kada individualaus naudojimo kosmetiniai prietaisai bus pristatyti Pirkėjui kol kas nėra nustatyta. Projekto savininkas siekia sukurti ilgalaikį produktą, kuris bus nuolatos tiekiamas Pirkėjui. Dalis pelno iš parduotų įrenginių bus skiriama paskolos aptarnavimui.

Projekto savininko 35 000 Eur paskolai užtikrinti yra įkeičiamas Projekto savininko valdybos nariui priklausantis turtas pastatas - gyvenamasis namas, pagalbinio ūkio pastatai (14 turtinių vienetų), kiemo rūsys, kiemo statiniai ir žemės sklypas, kurių kaina rinkoje remiantis nekilnojamojo turto agentūros „Ober-haus“ 2017 m. gruodžio 27 d. individualiu konsultaciniu dokumentu galėtų siekti iki 100 000 Eur. Siekiant papildomai apsaugoti Finansuotojų interesus bus pasirašyta laidavimo sutartis su Projekto savininko valdybos nariu, kurio turtas yra įkeičiamas.

Projekto savininką minimali tenkinanti paskolos suma - 35 000 Eur. Kadangi Projekto savininkui piniginių lėšų reikia skubiai, šiuo etapu yra skolinamasi 35 000 Eur, o vėliau Projekto savininkas į sutelktinio finansavimo platformos operatorių kreipsis pakartotinai dėl papildomos 35 000 Eur paskolos. Tokiu atveju skolos ir įkeisto turto vertės santykis taptų 70 %. Tiek šioje paskoloje tiek numatomoje papildomoje 35 000 Eur paskoloje (viso būtų 70 000 Eur bendra paskola) Finansuotojams įkeičiamas tas pats Projekto valdybos nariui priklausantis turtas - gyvenamasis namas, pagalbinio ūkio pastatai (14 turtinių vienetų), kiemo rūsys, kiemo statiniai ir žemės sklypas, bei pasirašomas asmeninis laidavimas.

Projekto savininkas pasirinko SAVY sutelktinio finansavimo platformą dėl priimtinų sąlygų ir platesnio produkto žinomumo bei patikimų investuotojų.

ENG

/ UAB "Technokosmeda"(the Project owner) is engaged in the production of ultrasonic cosmetics and medical devices. The Project owner CEO is a Doctor of Sciences with experience in patenting inventions, working in the field of medicine throughout his life.

The origins of the project are the Soviet space program "Buran", headed by "Technokosmeda" director and one of the founders of the company Oleksandr Marchenko. During the "Buran" program, there were attempts to extend the capabilities of astronauts to get into space and land as often as possible.

During the program, a positive effect of ultrasound broadband on the animals and humans examined was observed. This discovery, which promotes renewal of the cells, was also introduced into"Evolar", an ultrasound cosmetology device, developed by "Technokosmeda" together with its subsidiary company in Ukraine.

Despite of its small size, device created by "Technokosmeda" is indeed a sophisticated engineering product whose use in the body promotes acceleration of processes such as the regeneration of old cells and the appearance of new ones. These findings were published by Harvard University, Stanford University, University of Massachusetts and awarded the Nobel Prize twice.

The purpose of the project which was selected and announced to the investors by Crowdfunding platform operator SAVY is the additional working capital with the purpose to acquire completing parts. The manufactured products (equipment) are intended to be transported and delivered to Germany to one of the market leaders with long-term experience (since 1973) in the beauty services sector. The Project owner has a cooperative experience with the Buyer.
Remark: For many years, the Ukrainian subsidiary company manufactured, in principle, innovative ultrasound medical equipment for German companies such as "Ionto Health and Beauty", "Wellcomed", "Nemectron" and others. This equipment was sold in 51 countries of the world.

The Project owner plans to implement the project in three stages:
1st stage - purchase of missing parts and their delivery to the Project owner;
2nd stage - production of the product;
3d stage - transmission of the product to the buyer and settlement.

1st stage:
1st-5th month: a crowdfunding loan (35 000 EUR) – the purchase of missing additional components is financed by investors. The missing parts will be purchased both in Lithuania and in Ukraine.

2nd stage:
5th-12th month: during this period, the Project owner will complete the production of individual use cosmetic devices, using the facilities and technologies already in use by the Owner of the project, team experiences and knowledge. The Owner of the project will supervise the production and the quality of the equipment produced. So in the event of any manufacturing deviations, the Project owner will be able to respond promptly to potential problems. During this period, the Project owner also expects to produce all production and to fulfill the order.

3rd stage:
12th-60th month: precise data on the time when individual use cosmetic devices will be delivered to the Buyer has not yet been determined. The Project owner seeks to create a durable product that will be permanently supplied to the Buyer. Part of the profits from the sold equipment will be allocated to pay the loan.

To secure the loan of 35 000 EUR, a house, auxiliary buildings (14 units of property), a courtyard cellar, yard buildings and the land owned by a member of the board of the Project owner is pledged. The market price of this property which is based on the Ober-haus real estate agency individual consultation document written in December 27th, 2017 could reach up to 100 000 EUR. In order to further protect the interests of the investors, a personal guarantee will be signed with the member of the board of the Project owner, whose real estate is pledged.

The Project owner is applying for a minimum loan amount of 35 000 EUR. Due to the urgent need for the Project owner, 35 000 EUR are being borrowed at this stage, and then the owner of the project will apply again to the crowdfunding platform operator for an additional loan of 35 000 EUR. In this case, the loan-to-value ratio would be 70%. Both in this loan and the expected additional 35 000 EUR loan (total would be a loan of 70 000 EUR) the same property owned by a member of the board of the Project owner (a house, auxiliary buildings, a courtyard cellar, yard buildings and the land) is pledged. Furthermore, a personal guarantee will be signed with the member of the board of the Project owner, whose real estate is pledged.

The Owner of the project has chosen SAVY crowdfunding platform because of acceptable conditions, wide product awareness and trustworthy investors.

Applicant information

The borrower
Technokosmeda
Name (Corporate)
UAB
Corporate identity code
304093492
Actual address
Stanislovo Gedimino Ilgūno g. 8, LT-55148 Jonava
Įmonės Creditinfo ataskaita

Borrower expertise:
Have you undertaken this type of project before?
Yes
If yes, how many?
3 - 5 projects

Loan information

Loan amount requested
Target
€ 35,000
Minimum
€ 35,000
Funded
€ 35,000
Loan requested is
iš pardavimo pajamų ir/ar dalies pelno (teikiu paraišką anuiteto (nuolatiniai paskolai))
Interest payments
Interest-only
Principal repayments
Regular annuity
Frequency of payments
Monthly
Loan term (legal maturity)
60 months
Principal amortization term
60 months
Principal holiday request
0
Borrower interest rate
10 %
Loan payment due per month
€ 820.65
LTV (loan-to-value)
35%

Collateral information

Land

Property type Mortgage rank Collateral same object as Project Loan Area of the land lot, ha Manner of usage Nature of usage Built-up territory, ha Cadastral number Cadastral number, address Address Purpose Pictures
Žemės sklypas 1 No 4.49 žemės ūkio 43/10134 4310/0002:92 Baibių k.v Zarasų r. sav., Degučių sen., Trinkuškių k. 15

Building

Property type Mortgage rank Collateral same object as Project Loan Address Cadastral number Year built Gross area m² Additional information Pictures
Pastatas - Gyvenamasis namas 1 No Zarasų r. sav., Degučių sen., Trinkuškių k. 15 90/34439 1964 93.65 Taip pat įkeičiami Pagalbinio ūkio paskirties pastatai (14 turtinių vienetų), kiemo rūsys ir kiemo statiniai
Guarantee information:
Is there a personal guarantee on the loan?
Yes
Property value report

Investment risks

No. RISKS DESCRIPTION OF RISKS
1. Risks related to total or partial loss of funds (capital) for financing the Project The project owner may not have full or enough funds to cover his obligations to the Funder.
2. Risks related to the deterioration of the financial condition of the Project owner (a natural person) The owner of the project may lose work, reduce wages or other income, and also partially or completely lose capacity for work or other circumstances that could negatively affect the performance of the obligations of the Project owner.
3. Risks related to deterioration of the financial condition of the Project owner (legal entity) The implementation of a project announced by the project owner does not generate such revenue as was planned; The owner of the project participates in court / arbitration disputes, the result of which is unpredictable in the course of or continuing; The project owner loses the partner (s) that has a significant influence on the company, as well as suppliers, or reduces purchasers, and this negatively affects the company's revenue streams; The project owner can assume new debt obligations or other circumstances that could negatively affect the fulfillment of the obligations of the Project owner.
4. Risks related to the insolvency / bankruptcy of the Project Owner The owner of the project may be subject to bankruptcy proceedings, therefore, the Investor may completely or partially lose the investment for the Project and not receive any interest.
5. Funding liquidity risk Project submitted by the project owner may not be fully or partially funded.

Failure to collect the funds necessary for the project or the Project owner in disagreement with the smaller amount of collected funds, the Project is canceled and the funds collected are returned to the Funders. In this case, the Funder, who has recovered the funds, does not receive full or partial expected profit from investing in the Project and compensation for the period during which his money was booked.
6. The Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania does not apply to crowdfunding The funds invested by the funder are not hedged by deposit insurance.
7. Risk related to insolvency / bankruptcy of a company that administers a crowdfunding platform The bankruptcy procedure set in the Law on Bankruptcy of Enterprises of the Republic of Lithuania. In the case of bankruptcy, the administration of loans will be taken over by the bankruptcy administrator. It is necessary to assess that in case of bankrutpcy, the risk of investment and interest loss remains, although the administrator of the bankruptcy must ensure the administration of loan contracts.