The purpose of this project is to finance the Sponsor, USL INVEST OÜ by a 12-month working capital loan in the amount of 300,000 EUR to increase the business volume.The issued loan is secured by a commercial pledge to company's movable property (the amount of the commercial pledge exceeds the loan and interest amount 1.30 times) and with personal guarantees of the owners of the company to the extent of the loan.  It is a so-called &#34;bullet-loan&#34; where the interest with an additional principal will be paid throughout the period. However, a substantial part of the principal (75%) is paid at the end of the loan period as a one-time payment. The loan interest rate is 15.0% per annum and the expected return on investment (IRR) is 16.08% on an annual basis.

Investment opportunity - working capital loan to USL Invest OÜ, 16.08% yield per annum

USL Invest I Investment opportunity

Käesoleva projekti eesmärgiks on finantseerida projekti Sponsori, USL INVEST OÜ ärimahtude kasvu 12-kuulise käibekapitali laenuga summas 300 000 eurot. Väljastatav laen on tagatud kommertspandiga ettevõtte vallasvarale (seatav kommertspandi summa ületab laenu- ja intresside summat 1.30 korda) ning ettevõtte omanike isiklike käendustega laenusumma ulatuses. Laenugraafiku mõistes on tegemist nö osalise bullet-laenuga ehk laenuga, mille perioodi jooksul tasutakse peamiselt intressi ning väiksemas mahus ka põhiosa.Oluline osa põhiosast (75%) tasutakse laenuperioodi lõpus ühekordse maksena. Laenu intressimäär on 15.0% aastas ning investori oodatav tootlus (IRR) 16.08% aasta baasil.

The purpose of this project is to finance the Sponsor, USL INVEST OÜ by a 12-month working capital loan in the amount of 300,000 EUR to increase the business volume.The issued loan is secured by a commercial pledge to company's movable property (the amount of the commercial pledge exceeds the loan and interest amount 1.30 times) and with personal guarantees of the owners of the company to the extent of the loan.  It is a so-called &#34;bullet-loan&#34; where the interest with an additional principal will be paid throughout the period. However, a substantial part of the principal (75%) is paid at the end of the loan period as a one-time payment. The loan interest rate is 15.0% per annum and the expected return on investment (IRR) is 16.08% on an annual basis.

Funding goal:	€ 300000
Expected return:	16.08 % p.a
Investment term:	12 months
Risk category:	F Risk assessment model
LTV:	Low risk %
Capital stack:	Secured loan

USL Invest OÜ (I)

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