Loan Collateral
The €700,000 loan requested by Smart Italia S.R.L. is secured by a combination of technical equipment acquired through the project, cash flow generated by a milestone-based client contract, and the company’s strong capital reserves. While the company does not own real estate or vehicles, its collateral structure is project-focused, tangible, and fully aligned with the financing scope.
Secured Equipment (Fixed Asset Collateral)
Approximately €500,000 of the loan will be used to purchase industrial-grade energy infrastructure, including a microturbine, absorption chiller, battery backup, automation systems, and auxiliary electrical components. These assets:
- Retain a strong standalone resale value within the industrial energy efficiency sector, with an estimated liquidation value of €400,000 (80% of acquisition cost)
- Remain the property of Smart Italia until project completion, ensuring recovery rights for the lender during the loan term
Contract-Backed Revenue Flow
The loan is linked to a preliminary €934,840 turnkey contract with Caseificio Albiero S.r.l., featuring:
- Structured milestone-based billing
- Defined payment tranches linked to equipment delivery, installation, and commissioning
- A 9-month execution window within the 14-month loan term
- An estimated gross profit margin of €234,140
This performance-based contract provides a predictable repayment mechanism and reduces exposure to liquidity gaps during the loan period.
Internal Capital Reserves
As of 2024, Smart Italia holds €1,002,969 in total equity, composed of:
- Share capital: €100,000
- Retained earnings: €359,827
- Capital reserves: €544,142
Although not pledged as direct collateral, this capital base reinforces the borrower’s financial resilience and complements asset-based security.
Collateral Summary
- Tangible equipment assets: €500,000 acquisition value; €400,000 liquidation value
- Preliminary client contract: €934,840 with staged cash inflows
- Gross margin buffer: €234,140 to absorb interest and operational variances
- Total equity base: €1,002,969 (unencumbered capital position)
There are no secondary liens on the financed assets, and the collateral is ring-fenced around the project lifecycle, ensuring clarity and exclusivity of lender security.
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