Project overview

Loan amount request:
€ 30,000
Target
€ 0
Minimum
€ 30,000
Funded
18 M
Loan term (Legal maturity)
14 %
Borrower interest rate
536
Number of investors
100%
€ 0 left
  • Property information
  • Project overview
  • Borrower information
  • Loan information
  • Collateral information
  • Investment risks

Property information

Įkeičiamas turtas

Pavadinimas
Reikalavimo teisės
Vertė
1 EUR
Pavadinimas
Visos esamos ir būsimos piniginės lėšos
Vertė
1 EUR

Project overview

Project name
Apyvartinės lėšos
Reason for loan
Working capital
I will repay this loan...
by refinancing with a bank (I'm applying for a bridge loan)

Project timeline:
Remaining time to project completion from today
greater than 24 months
Will this project require multiple stages of financing?
Yes
If yes, how many stages of financing?
Which stage of financing is this loan for?
3

Other comments / description of project

ĮMONĖS VEIKLA

UAB “Greiti autosprendimai” teikia naudotų automobilių nuomos paslaugas individualiems klientams ir įmonėms su prekės ženklu „autofino.lt“. Įmonė įsigyja klientų pasirinktus automobilius ir juos išnuomoja su galimybe bet kada juos išsipirkti sau. Šiuo metu išnuomotų automobilių parko vertė siekia daugiau kaip 760.000 Eur.

Įmonė nuo veikos pradžios viso yra sudariusi nuomos sutarčių didesnei nei 1.34 mln. Eur sumai. Dėl efektyvios veiklos struktūros, bendrovė yra likvidi, vieno mėnesio piniginės įplaukos viršija sąnaudas 3-4 kartus, todėl vadovybės vertinimu bendrovė yra tinkamai pasiruošusi galimiems nenumatytiems ekonomikos iššūkiams.

PRAŠOMA PASKOLA

Trečiuoju finansavimo etapu bendrovė siekia pritraukti skolintą kapitalą tolimesniai veiklos plėtrai. Skolintos lėšos bus naudojamos transporto priemonių įsigijimui. Visų nuomojamų automobilių nuosavybės teisė priklauso įmonei. Paskolai garantuoti, įmonė įkeitė visas esamas ir pinigines lėšas, reikalavimo teises į gautinas sumas pagal nuomos sutartis.

FINANSINĖ BŪKLĖ

UAB “Greiti autosprendimai” finansinė būklė 2020 m.:
Pardavimo pajamos - 656.730 Eur;
Grynasis pelnas - 67.306 Eur;
Ilgalaikis turtas – 0 Eur;
Trumpalaikis turtas - 784.593 Eur;
Nuosavas kapitalas – 212.756 Eur;
Mokėtinos sumos ir kiti įsipareigojimai – 571.836 Eur.

UAB “Bendras finansavimas” (SAVY) 2020 m. pab. įmonei UAB „Greiti autosprendimai“ yra suteikusi paskolų už bendrą 520 000 Eur sumą.

PAPILDOMI SUSITARIMAI

Tarp Platformos operatoriaus ir UAB „Greiti autosprendimai“ yra sudarytas papildomas susitarimas dėl minimalių įmonės veiklos ir nuomos sutarčių mokumo rodiklių vykdymo, kurie padės užtikrinti įmonės veiklos stabilumą. Šiuos rodiklius, pagal sudarytą susitarimą, sekti ir vertinti įsipareigoja SAVY sutelktinio finansavimo platformos operatorius.

Applicant information

The borrower
UAB Greiti autosprendimai
Name (Corporate)
UAB
Corporate identity code
304800868
Actual address
Rudens 2-21, Vilnius

Borrower expertise:
Have you undertaken this type of project before?
Yes
If yes, how many?
Greater than 10 projects

Loan information

Loan amount requested
Target
€ 30,000
Minimum
€ 30,000
Funded
€ 30,000
Loan requested is
by refinancing with a bank (I'm applying for a bridge loan)
Interest payments
Interest-only
Principal repayments
Balloon (lump sum at end)
Frequency of payments
Monthly
Loan term (legal maturity)
18 months
Principal amortization term
18 months
Principal holiday request
Borrower interest rate
14 %
Loan payment due per month
€ 419
LTV (loan-to-value)
0%

Collateral information

Įkeičiamas turtas

Pavadinimas Hipotekos eilė Kam priklauso šis turtas Vertė Papildoma informacija Pictures
Reikalavimo teisės 1 UAB “Greiti autosprendimai” 1 Visos esamos ir būsimos reikalavimo teisės, kylančios iš Kreditoriui įkeisto turto nuomos sutarčių su trečiaisiais asmenimis
Visos esamos ir būsimos piniginės lėšos 1 UAB “Greiti autosprendimai” 1 Visos esamos ir būsimos piniginės lėšos, gautinos į Įkaito davėjo / Skolininko vardu atidarytą sąskaitą, esančią bet kuriame Lietuvos Respublikoje ar užsienio valstybėje registruotame ir veiklą vykdančiame banke ar kitoje kredito įstaigoje
Guarantee information:
Is there a personal guarantee on the loan?
No

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 Article 9(7) and Article 11(1)(6) of the Law on Crowdfunding of the Republic of Lithuania constitute an obligation for the mutual lending and crowdfunding platform operator to establish a Business Continuity Plan and submit it to the Bank of Lithuania for approval (for entry into the public list of mutual lending/crowdfunding platform operators). The Business Continuity Plan shall include tools and procedures to ensure the Operator's business continuity and smooth administration of contracts, and uninterrupted fulfilment of contractual obligations in the unforeseen events. One of the circumstances that may occur during the performance of Organizer’s activities is the Organizer’s insolvency.
In order to implement the Business Continuity Plan, to properly protect the rights and legitimate interests of the consumers (Funders and/or Recipients of Loans), to separate the assets belonging to the Lenders and the Organizer, and to minimize the potential negative consequences of insolvency of the Organizer, the assets shall be subject to temporary administration under an agreement concluded between the Organizer and the law firm in the event of insolvency of the Organizer. Temporary administration may also be established in the event of other circumstances specified in the Business Continuity Plan.
More details about Business Continuity Plan Funders can see in section IV “Busines Continuity Plan of SAVY Platform” (see https://gosavy.com/uploads/files/pdf/information_document_crowdfunding_20191004.pdf, paragraph 81 ir 9) and Website Use Agreement, section 7.