• Additional security: The company’s shareholder and director additionally guarantee the full loan amount.
  
• Developer’s experience: The project owner has long-term experience in real estate development, having successfully completed more than 7 different projects with a total area exceeding 2 500 m².
  
• Location potential: Both pledged assets are located in strategically attractive areas of Kaunas — in the city center and in the prestigious Žaliakalnis district. These locations have high commercial potential and constant rental demand.

Interest rates based on the investment amount:
– From 100 EUR to 299 EUR – 8.50%
– From 300 EUR to 699 EUR – 8.75%
– From 700 EUR to 1 999 EUR – 9.00%
– From 2 000 EUR to 4 999 EUR – 9.25%
– From 5 000 EUR to 14 999 EUR – 9.50%
– From 15 000 EUR to 49 999 EUR – 9.75%
– From 50 000 EUR – 10.00%
Important: separate investments are not added together and cannot be combined.

About the Project:
The project owner plans to acquire six administrative and auxiliary premises located in two buildings in Kaunas: K. Donelaičio St. 81 and A. Baranausko St. 19. Over the next four months, approximately 500 000 EUR will be invested in renovating these premises to meet modern rental market needs and later lease them for commercial use.

Object 1: K. Donelaičio St. 81, Kaunas
The plan includes renovating administrative, attic, and basement spaces located in a three-storey building with shared-use areas. According to the Register Center data, the premises have a 100% completion rate. The location is highly attractive — Kaunas city center, close to key business, administrative and cultural institutions, ensuring strong commercial potential.

After renovation:
– 582.89 m² of administrative space and 12 parking spaces will be prepared for potential business tenants.
– 201.47 m² of attic space is planned for wellness activities.
– 201.93 m² of basement space will be adapted for commercial use; negotiations are ongoing with interested tenants.

Once renovated, the entire property will be fully prepared for long-term leasing, and most spaces already have preliminary interest from potential tenants.

Object 2: A. Baranausko St. 19, Kaunas
This property will undergo renovation of 1 200.22 m² of administrative space and an additional 15.42 m² of auxiliary areas. Completion is also 100%. The building is in the prestigious Žaliakalnis district, known for good infrastructure, strong accessibility, and high commercial attractiveness. After renovation, the premises will meet modern administrative requirements and are expected to be leased at market rates with strong demand from various business sectors.

Loan information:
The loan will be repaid by refinancing with another credit institution, while interest to investors will be paid from rental income and the company shareholder’s personal capital.

The amount required for acquisition is 712 500 EUR (412 500 EUR already raised). The amount may be raised in stages, and interest for investors will be calculated from the period when the full required amount is collected.

Maximum financed amount: 1 200 000 EUR. The project is financed based on the current valuation of the pledged asset until it reaches the maximum LTV. Once the limit is reached, a new valuation must be performed, and further financing stages will only be carried out if the LTV is not exceeded.

The planned collection period is 7 days, with an option to extend up to 30 days if funds are not fully collected.