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User ID:
smiltute
Loan type:
/ Business
Amount:
16000€
Term:
9 months
Risk category:
d
Target rate:
17%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
16 000€
Loan term
9 months
Target rate
17%
Loan purpose
Growth funding
Progress
77%
Listing ends
2017-08-25 16:50:04
Listing time left
2 days
Business Type
Limited liability company
Business Sector
Pramogos ir poilsis // Entertainment and rest
Product Service
Pramogos ir poilsis // Entertainment and rest
Business Region
-
Years Trading
4
Number Of Employees
14

Business description

Smiltute, UAB pagrindinė veikla – maitinimo paslaugos. Įmonė veiklą pradėjo 2012 metais, už 2016 metus pardavimai – 293 tūkst. EUR. Šiuo metu įmonė operuoja dvi maitinimo įstaigas, esančias “Vilnius city hotel” ir “Oro Dubingiai”. Įmonė atidarinėja dar vieną maitinimo įstaigą Vilniuje, Upes g. 9, kurios įrengimo pabaigimui reikalinga paskola. Už paskolą asmeniškai garantuoja įmonės vadovas. 

Smiltute, UAB main activity – catering services. Company was established in 2012, for 2016 its sales EUR 293 thousand. At present, the company operates two catering establishments located at "Vilnius city hotel" and "Oro Dubingiai". The company is opening another restaurant at Upės st. 9, Vilnius. The required loan will be used for completion of new restaurants installation. Loan is secured by the guaranty of the CEO.

Profit (loss) report

Amount in euros
2017-06-302016-12-312015-12-31
Turnover
161258293469295672
Cost of sales
52617165187170861
Gross profit
108641128282124811
Operating costs
49146
Operating profit
59495128282124811
Other income
-2775-90600-112578
Income from financial and investing activities
-325
Gross operating profit
563953768212233
Extra ordinary gain
Extra ordinary loss
Profit before tax
563953768212233
Profit tax
56522076
Net income
563953203010157

Balance sheet

Amount in euros
2017-06-302016-12-312015-12-31
Long term assets
486384301741355
Intangible assets
Material assets
486384301741355
Financial assets
Other long term assets
Short term assets
1271846713146245
Stock advance payments contracts in progress
28941
Amount to be received within one year
337426713146245
Other short term assets
Cash and cash equivalents
64501
Total assets
17582211014887600
Capital and reserves
836866082028790
Statutory capital
2896
Reappraisal reserves
Reserves
290
Retained earnings
80500
Donations and subsidies
Amount to be paid and liabilities
921364932858810
Amounts to be paid after one year and long term liabilities
23357569816342
Amount to be paid within one year and short term liabilities
687794363042468
Liabilities in total
17582211014887600
Director's/shareholder's guarantee
Yes
Key customers
-

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
NovaVia
Loan type:
/ Business
Amount:
16000€
Term:
14 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
16 000€
Loan term
14 months
Target rate
15%
Loan purpose
Asset purchase
Progress
45%
Listing ends
2017-08-26 13:30:40
Listing time left
3 days
Business Type
Limited liability company
Business Sector
Logistikos paslaugos; Transporto paslaugos // Logistics services; Transport services
Product Service
Logistikos paslaugos; Transporto paslaugos // Logistics services; Transport services
Business Region
-
Years Trading
4
Number Of Employees
5

Business description

UAB ,,Nova via" užsiima krovininio transporto paslaugomis. Įmonė veiklą pradėjo 2012 metais, už 2016 metus skaičiuoja 184 tūkst. EUR pardavimų. Lėšos bus naudojamos papildomos priekabos įsigijimui. Už paskolą asmeniškai garantuoja įmonės direktorius.

Įmonė jau yra pasiskolinusi per FinBeeVerslui platformą 4000 EUR. Paskolos pabaiga 2018-01-01. Įmokos mokamos laiku.

///
UAB ,,Nova via" engaged in freight transportation services. Company was launched in 2012 and for 2016 it generated sales of EUR 184 thousand. Loan will be used for purchase of additional trailer. The loan is guaranteed by the CEO of the company.

The company has already borrowed EUR 4000 from the FinBeeVerslui platform. Loan maturity - 01/01/2018. Installments are paid on time.

Profit (loss) report

Amount in euros
2017-06-302016-12-312015-12-31
Turnover
111579184192158867
Cost of sales
104979162500147657
Gross profit
66002169211210
Operating costs
2690
Operating profit
66001900211210
Other income
Income from financial and investing activities
Gross operating profit
66001900211210
Extra ordinary gain
Extra ordinary loss
Profit before tax
66001900211210
Profit tax
560
Net income
66001900210650

Balance sheet

Amount in euros
2017-06-302016-12-312015-12-31
Long term assets
15203911982979079
Intangible assets
Material assets
14414111196072523
Financial assets
789878696556
Other long term assets
Short term assets
261416461444847
Stock advance payments contracts in progress
190004642126801
Amount to be received within one year
1805317959
Other short term assets
7141
Cash and cash equivalents
14087
Total assets
178180184443123926
Capital and reserves
727637375754756
Statutory capital
3417534175
Reappraisal reserves
Reserves
Retained earnings
3958220681
Donations and subsidies
Amount to be paid and liabilities
10541711068669170
Amounts to be paid after one year and long term liabilities
948397864961008
Amount to be paid within one year and short term liabilities
10578320378162
Liabilities in total
178180184443123926
Director's/shareholder's guarantee
Yes
Key customers
-

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
banzai
Loan type:
/ Consumer
Amount:
5200€
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 200€
Loan term
60 months
Target rate
18%
Loan purpose
Home Improvements
Progress
67%
Listing ends
2017-09-01 15:35:14
Listing time left
9 days
Registration date
2017-08-17
Age
56
Gender
Male
Post Town
Visaginas
Marital Status
Divorced
Dependents
1
Residential Status
Owner
Education
Post graduate
Occupation
Direktorius / Director
Months at current employer
72 or more
Years working in total
35
Available Income
727 €
Monthly Income
953 €
Monthly Expenses
226 €
Debt Repayments v Income (DTI) Ratio
39% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
Marina
Loan type:
/ Consumer
Amount:
6130€
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 130€
Loan term
60 months
Target rate
18%
Loan purpose
Consolidation of Other Loans
Progress
76%
Listing ends
2017-09-01 15:43:42
Listing time left
9 days
Registration date
2016-08-11
Age
40
Gender
Female
Post Town
Kėdainiai
Marital Status
Divorced
Dependents
2
Residential Status
Owner
Education
Graduate
Occupation
Mokytoja / Teacher
Months at current employer
60
Years working in total
12
Available Income
757 €
Monthly Income
757 €
Monthly Expenses
0 €
Debt Repayments v Income (DTI) Ratio
23% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2015-02-03

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
pupsiukas
Loan type:
/ Consumer
Amount:
6100€
Term:
50 months
Risk category:
d
Target rate:
26%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
6 100€
Loan term
50 months
Target rate
26%
Loan purpose
Consolidation of Other Loans
Progress
69%
Listing ends
2017-09-01 16:31:21
Listing time left
9 days
Registration date
2017-08-16
Age
27
Gender
Female
Post Town
Elektrėnai
Marital Status
Divorced
Dependents
2
Residential Status
Living with Parents
Education
Graduate
Occupation
Teisininkė / Lawyer
Months at current employer
24
Years working in total
10
Available Income
766 €
Monthly Income
810 €
Monthly Expenses
44 €
Debt Repayments v Income (DTI) Ratio
34% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-08-11

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
sarturas
Loan type:
/ Consumer
Amount:
5330€
Term:
58 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 330€
Loan term
58 months
Target rate
23%
Loan purpose
Consolidation of Other Loans
Progress
70%
Listing ends
2017-09-02 11:05:51
Listing time left
9 days
Registration date
2017-08-17
Age
27
Gender
Male
Post Town
Vilnius
Marital Status
Single
Dependents
0
Residential Status
Tenant
Education
Graduate
Occupation
Komunikacijos specialistas / Communication specialist
Months at current employer
48
Years working in total
4
Available Income
856 €
Monthly Income
884 €
Monthly Expenses
28 €
Debt Repayments v Income (DTI) Ratio
23% Ratio is acceptable
Employment status
Self-Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2012-03-02

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
lietmeda
Loan type:
/ Business
Amount:
25000€
Term:
11 months
Risk category:
c
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
25 000€
Loan term
11 months
Target rate
15%
Loan purpose
Working capital
Progress
25%
Listing ends
2017-09-02 21:37:21
Listing time left
10 days
Business Type
Limited liability company
Business Sector
Tara, pakuotės // Containers and packaging
Product Service
Tara, pakuotės // Containers and packaging
Business Region
-
Years Trading
3
Number Of Employees
19

Business description

Lietmeda, UAB pagrindinė veikla – medinės taros gamyba. Įmonė veiklą pradėjo 2013 metais, už 2016 metus pardavimai – 832 tūkst. EUR. Įmonė turi užsakymą, kurio įvykdymui reikalinga trumpalaikė paskola. Paskolos užtikrinimui įmonės vadovas pasirašys vekselį visai paskolos ir palūkanų sumai.

Papildomas  komentaras - 1.
Lietmeda FinBeeVerslui platformoje skolinasi antrą kartą. Pirmoji 17 000 EUR paskola, imta 3 mėnesių terminui, jau grąžinta. Į paskolą investavusiems žmonėms grąžintos lėšos užsiskaitys įmokos mokėjimo dieną - 31.08.2017. 

Papildomas  komentaras - 2.
2017.06.30 balanso šifravimas: 
 - Po vienerių metų mokėtinos: 7 219 EUR mokėtina suma lizingui;
 - Per vienerius metus mokėtinos:   77 913 EUR skolos tiekėjams, 1 059 EUR - gauti avansai, 22 295 EUR su darbo santykiais susiję mokėjimai, 17 000 EUR skola FinBeeVerslui (jau grąžinta). 

// 

Lietmeda, UAB main activity – manufacturing of wooden containers. Company was launched in 2013, for 2016 its sales EUR 832 thousand. Company has an order, for the fulfilment of which it requires a short-term loan. Loan is secured by promissory note signed by the CEO.


Additional comment - 1.
Lietmeda is borrowing for a second time on FinBeeVerslui. The first loan of EUR 17 000, was taken for a 3 months period, has already been repaid. The returned funds will be accounted on investors accounts on the scheduled payment - 31.08.2017.

Additional comment - 2.
Detail of the balance sheet dated 2017.06.30:
  - One year payables: EUR 7 219 - payable for leasing;
  - One year payable: EUR 77 913 - payable to suppliers, EUR 1 059 - received advance payments, EUR 22 295 - salary related payments, EUR 17 000 – payable to FinBeeVerslui (already repaid).

Profit (loss) report

Amount in euros
2017-06-302016-12-312015-12-31
Turnover
364783832919905782
Cost of sales
319678667758690611
Gross profit
45105165161215171
Operating costs
36170202771209602
Operating profit
8935-376105569
Other income
Income from financial and investing activities
-463-610-461
Gross operating profit
8472-382205108
Extra ordinary gain
Extra ordinary loss
Profit before tax
8472-382205108
Profit tax
892
Net income
8472-382204216

Balance sheet

Amount in euros
2017-06-302016-12-312015-12-31
Long term assets
243592778932202
Intangible assets
255
Material assets
243592778931947
Financial assets
Other long term assets
Short term assets
8192482542124367
Stock advance payments contracts in progress
401033916658258
Amount to be received within one year
363623964059428
Other short term assets
396396
Cash and cash equivalents
545933406285
Total assets
106283110331156569
Capital and reserves
-19203-2768410536
Statutory capital
289628962896
Reappraisal reserves
Reserves
Retained earnings
-22099-305807640
Donations and subsidies
Amount to be paid and liabilities
125486138015146033
Amounts to be paid after one year and long term liabilities
72191071717496
Amount to be paid within one year and short term liabilities
118267127298128536
Liabilities in total
106283110331156569
Director's/shareholder's guarantee
Yes
Key customers
-

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
egidijus600
Loan type:
/ Consumer
Amount:
4400€
Term:
50 months
Risk category:
d
Target rate:
26%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
4 400€
Loan term
50 months
Target rate
26%
Loan purpose
Consolidation of Other Loans
Progress
48%
Listing ends
2017-09-05 11:43:43
Listing time left
12 days
Registration date
2017-08-07
Age
38
Gender
Male
Post Town
Klaipėda
Marital Status
Single
Dependents
0
Residential Status
Living with Parents
Education
High school
Occupation
Suvirintojas / Locksmith
Months at current employer
72 or more
Years working in total
18
Available Income
800 €
Monthly Income
987 €
Monthly Expenses
187 €
Debt Repayments v Income (DTI) Ratio
36% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-09-27

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
maripresogo
Loan type:
/ Consumer
Amount:
5500€
Term:
58 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
5 500€
Loan term
58 months
Target rate
23%
Loan purpose
Home Improvements
Progress
37%
Listing ends
2017-09-05 13:37:29
Listing time left
13 days
Registration date
2016-07-15
Age
40
Gender
Male
Post Town
Marijampolė
Marital Status
Married
Dependents
3
Residential Status
Living with Parents
Education
High school
Occupation
Operatorius / Operator
Months at current employer
06
Years working in total
14
Available Income
514 €
Monthly Income
552 €
Monthly Expenses
38 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2017-06-29

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus
+
User ID:
anila
Loan type:
/ Consumer
Amount:
7130€
Term:
58 months
Risk category:
c
Target rate:
23%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 130€
Loan term
58 months
Target rate
23%
Loan purpose
Car
Progress
73%
Listing ends
2017-09-05 13:45:31
Listing time left
13 days
Registration date
2017-08-21
Age
46
Gender
Female
Post Town
Radviliškio r.
Marital Status
Married
Dependents
0
Residential Status
Owner
Education
Graduate
Occupation
Ūkininkė / Farmer
Months at current employer
72 or more
Years working in total
20
Available Income
1 606 €
Monthly Income
2 010 €
Monthly Expenses
404 €
Debt Repayments v Income (DTI) Ratio
32% Ratio is acceptable
Employment status
Self-Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

Reverse auction bids in ascending interest rate sequence. Status means:
✓ = offer included in loan
✗ = offer not included in loan, has been bumped-off by lower interest rate bids
(✓) = offer partially included in loan, not all of the amount bid, is in the loan
WAB - Weighted Average Bid

IDLenderAmountRateDateStatus

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