Project Idea

Hulio Invest Oy, founded in 2021 and headquartered in Finland, is a dynamic provider of refrigerated transport services, specializing in the delivery of goods for major retail clients and manufacturers. The company has steadily expanded its operations in key cities, including Helsinki, Espoo, Tampere, Vantaa, and Turku, with a focus on quality, reliability, and tailored logistics solutions. Hulio Invest Oy collaborates closely with prominent brands in the food and retail sectors to ensure timely and efficient deliveries.

The company’s growth has been driven by strategic partnerships with industry leaders such as FAZER.fi, one of Finland’s largest bakery product manufacturers, as well as INDITEX and ZARA in the retail space. Hulio Invest Oy’s ability to deliver top-tier transportation solutions has positioned it as a trusted partner for these major clients, with plans for continued expansion in the coming years.

The company’s rapid growth is evident in its financial performance, with significant year-over-year revenue increases. In 2022, Hulio Invest Oy reported a turnover of €208,000, which grew to €270,000 in 2023, and is projected to reach €475,000 by the end of 2024. This impressive growth is driven by the company’s expanding client base, solid partnerships with major players such as FAZER.fi, INDITEX, and ZARA, as well as its ability to meet the increasing demand for reliable transportation services in the food and retail sectors.

Executive summary

Hulio Invest Oy is initiating a funding round to secure a total loan of €450,000 to €650,000 to support the expansion of its fleet for the execution of long-term contracts with FAZER.fi and Suomen Kaukokiito Oy (logistics provider for INDITEX and ZARA). These contracts involve the transportation of bakery products and textiles across major Finnish cities. The loan will be primarily used for the procurement of five additional vehicles to fulfill the increasing demand from these key clients.

The loan will be structured into five rounds, enabling Hulio Invest Oy to gradually secure the necessary capital and efficiently allocate it across different stages of fleet expansion.

• Round 1: €150,000
• Round 2: €150,000
• Round 3: €150,000
• Round 4: €100,000
• Round 5: €100,000

This staggered loan structure provides Hulio Invest Oy with flexibility in managing cash flow while meeting the operational demands of its contracts. The funds will be used to purchase VOLVO FM250 and Scania P 250 B4x2NB vehicles for the FAZER.fi contract, as well as Mercedes-Benz ACTROS L2536L trucks for the INDITEX and ZARA logistics operations. The company will cover additional costs, such as insurance and maintenance, from its own financial resources, ensuring a balanced and sustainable capital structure.

Allocation of Funds

The loan of €450,000 to €650,000 will be allocated as follows:

Machinery and Equipment Costs (Fleet Expansion): ~100%

With this loan, Hulio Invest Oy will acquire the necessary vehicles to meet its contractual obligations and continue growing its presence in the Finnish logistics market. The company anticipates a profitability margin of 25%-27% from these projects, ensuring timely loan repayment and attractive returns for investors.

Collateral and guarantees

As part of the loan structure, Hulio Invest Oy will provide both the newly purchased vehicles and those already on its balance sheet as collateral. The company currently owns three VOLVO FM250 trucks, which were transferred to the company in 2024 by the owner, with a total value of approximately €300,000-€350,000. Additionally, the new vehicles purchased for contracts with FAZER.fi and Suomen Kaukokiito Oy (servicing INDITEX and ZARA) will add €450,000-€650,000 in collateral value.

These assets will remain the property of Hulio Invest Oy until the completion of the loan repayment, ensuring that the vehicles serve as secure, tangible collateral throughout the loan term. In the event of any delays or issues with loan repayment or project execution, the vehicles—both existing and newly purchased—can be reclaimed and liquidated, as they remain under the company’s control until all financial obligations are fulfilled.

The combined value of these assets provides a strong guarantee for the loan. Their market value and liquidity further reduce risk for lenders, as the vehicles can be easily sold to cover any outstanding obligations if necessary. This arrangement ensures that a significant portion of the company’s fleet serves as collateral, offering substantial security throughout the loan period.