Loan Collateral
To secure the loan of €724,500, Black Ocean s.r.o. proposes a collateral structure based on its strong and predictable financial performance. While the company does not possess physical assets suitable for collateral, it relies on its robust cash flow and profitability to ensure repayment. Should the company secure external investments specifically for Grid Inspection & Reliability (Grinre), these funds will remain unutilized for debt servicing, further strengthening the financial stability of the business.
Cash Flow Stability
- The company’s current monthly revenue from its custom development and marketing services consistently exceeds €120,000.
- Monthly profit margins from these operations currently stand at approximately €24,000 (20% of revenue), which will remain unallocated to product development after Grinre achieves profitability.
- By the end of 2025, the company anticipates an additional €24,000-26,000 will be generated monthly from its established operations, further bolstering cash flow.
- This profitability ensures that the company has a reliable source of income to service its debt obligations while maintaining operational stability.
Future Revenue Growth
- With the successful development and promotion of Grinre, the company anticipates an additional increase in monthly revenue from new subscription clients.
- Grinre’s financial plan projects 150 active clients by the end of 2025, distributed across its subscription tiers, further strengthening cash flow.
- The company expects to develop its profitability further, aiming to increase monthly net cash flow to €40,000-50,000 as revenue scales and fixed costs stabilize.
- Sustainable revenue streams from Grinre are expected by Q4 2025, aligning with the loan repayment period.
Operational Resilience
- Black Ocean s.r.o.’s business model is diversified across three key areas: custom development, marketing, and the Grinre product. This minimizes dependency on a single income stream and ensures stable operations even in volatile market conditions.
- The company’s existing client contracts in the U.S. market further reinforce its financial stability and revenue predictability.
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