Projects list

„Baltų Avenue“ - Baltų av. 87B and 87C, Kaunas, Lithuania (13 stage)

Waiting for investments

Amount of funding 150 000 €

LTV 60%

Annual interest rate 11.00% - 12.00%

Total expected project return 15.58% - 17.00%

Loan period

17 mo.

Risk

B (medium)

Purpose of the loan

Development loan

Collateral Real estate pledge

Country

Lithuania

Investors 17

Raised:
12 960 € Goal:
150 000 €

8.64%

How much will I earn if I invest:

Investment size

100.00 €

137 040.00 €

11% 11.25% 11.5% 11.75% 12%

With this project in one month I will earn

€

After 12 months I will earn

€

After 17 months i will earn

€

* This calculator is exemplary and provides approximate results. Please note that the actual earnings may differ from the results provided by the calculator

Business loan terms

About the loan

Purpose of the loan Real estate development

Amount of funding 150 000 €

LTV 60 %

Risk B (medium)

Payment of interest Every month

Loan repayment At the end of the loan period

Loan period 17 mo.

Minimum loan period 4 mo.

Collateral

Real estate pledge

Guarantees / surety

Mortgage rank First order mortgage

Amount allocated by project owner 1 400 000.00 €

Objective of the loan

The amount required for financing is EUR 1,620,000, which is being raised in stages. The loan will be used for the acquisition of real estate — two land plots located at Baltų avenue 87B and 87C, Kaunas — as well as for the financing of construction works. Both land plots form part of a single urban development complex. According to their designated use, the plots are classified as territories for multi-apartment residential buildings and dormitories, with areas of 0.0920 ha and 0.0940 ha, respectively. Construction permits have been obtained for both land plots, providing for the construction of multi-apartment residential buildings: at Baltų av. 87B, a building with a total area of 747.59 sq. m is planned, while at Baltų av. 87C, a building with a total area of 763.25 sq. m is planned. Both buildings have already been registered with the State Enterprise Centre of Registers as unfinished construction, with a completion level of 8%. Loan stages 1–12, in the amount of EUR 1,200,000, were financed by 11 May 2026. After completing part of the works (see photographs), the Borrower revalued the property (see the property valuation report dated 6 June 2026) and determined the current market value of the property to be EUR 2,700,000. Taking this into account, the Borrower applied for further financing for the development of the project, which will amount to EUR 420,000, while maintaining the same loan-to-value ratio of 60%. The loan will be repaid from the proceeds of the sale of the real estate under development or, at a later stage of the development, by refinancing it with another financial institution. The amount contributed to the project by the project owner is EUR 1,400,000.

About the project

The Baltų Avenue project is a new-build residential complex with commercial premises on the ground floor at 87B and 87C Baltų Ave. in Kaunas. The developer is UAB Cube REM, the project was prepared by UAB UGNIUS ir architektai (arch. Ugnius Vasiliauskas, PDV Tomas Jonaitis). Both buildings are classified as residential (3 or more apartments).

The project "Baltų Avenue" is a high quality modern residential and commercial construction project, which will create a modern, comfortable and sustainable lifestyle in Šilainiai. Both apartment buildings comply with the latest construction, energy and environmental standards and Kaunas city development directions.

The vision of the project is to create a modern, aesthetic and functional apartment complex, combining residential and commercial functions in a harmonious way, and making the buildings an attractive part of the Šilainiai community.

The project covers two plots of land located in Kaunas, Baltų Avenue 87B and 87C, with the area of the plots of land of 920 sq. m and 940 sq. m respectively. The zoning is multi-family residential buildings. The density of development is approximately 30 % and the intensity of development is 81 %. Each plot is to be developed with a four-storey apartment building of energy efficiency class A++, green areas, children's playgrounds and parking spaces.

Building architecture and functions

Building 87B Baltų av. 87B has a total floor area of 747.59 m², 10 apartments. Building Baltų av. 87C - 763,52 m² total floor area, 10 apartments. Both buildings are four storeys high, up to 13,5 m high, energy efficiency class A++, acoustic comfort class C, fire resistance class II. The ground floors are planned for commercial premises, the upper floors for residential apartments with balconies or terraces. A geothermal heating system with heat pumps and heat recovery is planned.

Territorial solutions

Both plots will be equipped with parking lots (87B - 11 spaces, 87C - 10 spaces, one for disabled persons), a 50 m² children's playground, and a green area of about 46%. Pedestrian walkways, bicycle storage, ramps and LED lighting are planned.

Architectural solutions

The architecture of the buildings is based on modernist principles - clear lines, rational form, aesthetic facade. Natural materials are used, in harmony with the surroundings, such as vertical cladding, facade panels, anthracite and wood tones. The design of the surroundings provides for green recreation areas, landscaped courtyards, ensuring good insulation and acoustic comfort.

Engineering infrastructure

The project is connected to the city's networks - water supply and sewage (UAB Kauno vandenys), electricity (AB ESO), heat supply (AB Kauno energija) and communication lines. The buildings are equipped with individual heat metering systems, heat recovery ventilation system, LED lighting, telecommunications and automation networks.

Urban integration

The project harmoniously integrates into the urban structure of Šilainiai, complementing the visual corridor of Baltai Avenue. The scale and architecture of the buildings form a modern, compact ensemble of apartment blocks, reinforcing the local identity.

Project's distinctive features:

Mixed use functionality (residential + commercial);
A++ energy efficient buildings;
Easy accessibility and fully developed infrastructure;
Aesthetic, minimalist architecture;
Green areas and recreational spaces;
Accessibility for all population groups.

More information about the project (see Description of the mortgaged property) (see Documents).

We inform you that the employees of UAB Nordstreet (company code 304565690) are investing in this project.

Investment from 50.00 €.

Interest

Annual interest rate

Investing from 50.00 € - fixed interest 11 %
Investing from 1 000.00 € - fixed interest 11.25 %
Investing from 4 000.00 € - fixed interest 11.5 %
Investing from 7 000.00 € - fixed interest 11.75 %
Investing from 10 000.00 € - fixed interest 12 %

The Interest on the Loan Amount shall be calculated from and including the date of disbursement of the Loan Amount to the Debtor's Account or to such other account (or accounts) as notified by the Debtor to the Operator in writing prior to the disbursement of the Loan Amount.

Loan term and repayment

Loan period 17 mo.

Minimum loan period 4 mo.

Loan repayment At the end of the loan period

Estimated start date of the loan:* 2026-06-26

Estimated loan repayment date:* 2027-11-18

If the Debtor repays the Loan earlier than after the specified minimum loan period, it undertakes to pay interest to the Lender for the entire specified minimum period.

* The loan is planned to be repaid by the end of the project term from the expected growing income of the company, increasing profits, sale of assets or refinancing of the loan.

Procedure for disputes between parties to a financing transaction

The investor has the right to withdraw their investment within 96 hours from the submission of the money lending proposal on the platform

Debtor

Company title UAB Cube REM

Company code 305868352

Company registration address

Kleboniškio g. 18 - 2 Kaunas Lietuva LT-44104

Company website https://baltuavenue.lt/

Cube REM is a company incorporated on 18 August 2021. Activity: a) Purchase and sale of own real estate (EVRK 681000); b) construction of new buildings; c) construction of buildings; d) real estate operations. The company may engage in any other activity that is not contrary to the legislation of the Republic of Lithuania.

In 2025, the company's sales revenue amounted to EUR 1 108 678, assets - EUR 1 891 920. The company's CEO, Marius Kubertavičius, has many years of experience in real estate. He is actively involved in all phases of the project, from land acquisition and design to the final realisation of the property. UAB Cube REM has established itself as a reliable partner capable of efficient management of both financial and technical processes of project development.

UAB Cube REM is a real estate development company specialising in the development of residential projects in Kaunas and the Kaunas district. The company was founded with the aim of combining high architectural standards with a sustainable and economically sound construction process.

The shareholder of the company is 100% Marius Kubertavičius.

Projects implemented by the company in 2021-2025:

Modern one-storey residential houses in Noreikiškės, Kaunas district, Šaltinio st. 1 and 3. The project is distinguished by its modern architecture, high energy efficiency and quality construction.
Premium-class detached house in Žaliakalnis, Kaunas, Eigulių str. 18. The project is characterised by high quality finishing, modern technological solutions and exceptional design.
Two-bed house project in Petrašiūnai, Kaunas, Trešnių trail 5 and 7. Functional, modern houses with spacious yards and rational layouts.
Premium class individual house of 200 m² in Kaunas district, Hervantos st. 4. The project is distinguished by its modern design, top quality materials and ergonomic solutions.
Five semi-detached house project in Ringaudai - 10 flats of 153 m² each, Laurų st. 38, Miriniškiai. The project was completed in 2024 and is characterized by high technical performance, functionality and attractive location.

Loan protection collateral

Loan collateral:

Pledge of first-rank mortgage on the property located at Baltų av. 87B and 87C, Kaunas, Lithuania:

Land plot, the address of which is Kaunas, Baltų av. 87B, unique No. 4400-5348-8958, cadastral No. 1901/0020:93, Kaunas city k.v., area - 0,0920 ha, use designation - Other, use method - Territories of multi-apartment residential buildings and dormitories;
Building – Residential building, located at Baltų av. 87B, Kaunas, Lithuania, unique No. 4400-6779-6044, total area – 0.00 sq. m, main designated use of the item – Multi-apartment buildings, completion level – 8%;
Land plot, the address of which is Kaunas, Baltų av. 87C, unique No. 4400-5390-6791, cadastral No. 1901/0020:92 Kaunas city k.v., area - 0,0940 ha, use designation - Other, use method - Territories of multi-apartment residential buildings and dormitories;
Building – Residential building, located at Baltų av. 87C, Kaunas, Lithuania, unique No. 4400-6779-9420, total area – 0.00 sq. m, main designated use of the item – Multi-apartment buildings, completion level – 8%.

Value of the pledged property: EUR 2 700 000.

Additional security:

Guarantee (promissory note in double amount) of the company (borrower).

Description of the pledged property

The mortgaged real estate consists of two land plots located at Baltų avenue 87B and 87C, Kaunas. Both land plots form part of a single urban development complex. According to their designated use, the plots are classified as territories for multi-apartment residential buildings and dormitories, with areas of 0.0920 ha and 0.0940 ha, respectively. Construction permits have been obtained for both land plots, providing for the construction of multi-apartment residential buildings: at Baltų av. 87B, a building with a total area of 747.59 sq. m is planned, while at Baltų av. 87C, a building with a total area of 763.25 sq. m is planned. Two multi-apartment residential buildings are currently under construction on these land plots, with a registred completion level of 8%. The projects are classified as new construction and provide for modern-architecture multi-apartment residential buildings with parking spaces, accessibility for persons with disabilities, and modern engineering systems.

The mortgaged property is located in the Šilainiai micro-district of Kaunas, one of the most actively developing parts of the city. Šilainiai is characterised by a well-developed residential and engineering infrastructure, convenient access to the city centre and main highways. The plots are located in Kaunas city real estate value zone 15.14, which is dominated by dense residential development, good transport links, developed public transport routes and a rich network of services and trade.

Baltų avenue is one of the main transport arteries of the city, connecting Šilainiai with the city centre and with the route of the western bypass. The distance to the city centre is about 5 km, 10-12 minutes by car. Nearby public transport stops ("Baltų pr.", "Milikonių g.") provide convenient access to the centre of Kaunas, the Old Town, Laisvės alėja and Aleksotas district. Convenient access to the A1 motorway provides quick access to Vilnius, Klaipėda and Marijampole.

The area is fully equipped with the city's engineering networks - water supply, sewage, electricity, gas and central heating systems. In the vicinity there are many shopping and service centres ("MEGA", "Lidl", "Maxima", "IKI", "Šilas") and Šilainiai market. There are public and private kindergartens, schools, gymnasiums, and healthcare services are provided by both local polyclinics and Kaunas clinics. There are many green and recreational areas nearby, including Milikoniai Hill, Šilainiai Park, and pedestrian and cycling paths connecting to the Lampėdžiai recreation area and the Nemunas riverbank.

Šilainiai is one of the most densely populated districts of Kaunas, and has seen an active development of residential construction in recent years. Projects such as "Šilainiai Namai", "Baltų terasa", "Baltų alėja" show the strong local demand for new housing. The location of the mortgaged plots is seen as attractive for medium and upper class housing projects, with good infrastructure and lower realisation risk. Housing price growth in Šilainiai in recent years has been in the range of 8-12% p.a., therefore the area remains attractive for investment.

In summary, the mortgaged property at 87B and 87C Baltų Avenue in Kaunas is located in a strategically convenient, infrastructurally developed location, with a well-defined development purpose, valid building permits and high investment potential. The plots are suitable for residential development and are in line with the current urban development trends in Kaunas city.

For more information (see About the project) (see Documents).

Strengths and risks

Strengths:

The first order of real estate pledge - mortgage.
Company guarantee (bill of exchange).
Liquid pledged assets
The company has been operating for more than 4 years.

Weaknesses:

Borrower 's activities are in a competitive sector.
The company is operating at a loss.
The company experienced a loss.

Possibilities:

The annual interest rate payable by the borrower is 11.00-12.00%.

Threats:

Uncertain economic situation.
Property is in development stage.
Rising cost of building materials.

Documents

#	File name	File type	Actions
1	UAB Cube REM įstatai.pdf
2	Turto vertinimo ataskaita.pdf
3	STATYBOS LEIDIMAS_Baltų pr. 87C Kaunas metaduomenys.pdf
4	STATYBOS LEIDIMAS_Baltų pr. 87B Kaunas metaduomenys.pdf
5	BD 87C.pdf
6	BD 87B.pdf
7	SA 87B.pdf
8	SA 87C.pdf
9	Turto vertinimo ataskaita 2026-04-22.pdf
10	Turto vertinimo ataskaita 2026-06-06.pdf
11	PIID (13 etapas).pdf

Important

Nordstreet takes the following measures to ensure a safer investment:

The loan to value ratio of the project will not exceed the LTV ratio provided in the project description, including in cases when the project will be financed in stages.
If the required amount of funding is not collected before the start of the project, all investments will be returned to the investors. Upon application by the Debtor, the financing may be considered to have been successfully completed with a smaller amount collected, the financing of the project may be divided into several stages and / or the financing period of the project may be extended. In these cases, Nordstreet informs the funders and publishes the information on the completion of the project with a smaller amount, the division of the project funding into several stages or the extension of the project funding period on its website together with other information about the project.
By investing in a project, financiers acquire rights of recourse (claim rights). Nordstreet may provide the financiers with the possibility to transfer these claim rights to other users of the platform on the Secondary Market in accordance with the User Terms.
The activities of UAB Nordstreet are supervised by the Bank of Lithuania and UAB Nordstreet is included on the Public List of Operators of Crowdfunding Financing Platforms administered by the Bank of Lithuania.

About the loan

Purpose of the loan Real estate development

Amount of funding 150 000 €

LTV 60 %

Risk B (medium)

Payment of interest Every month

Loan repayment At the end of the loan period

Loan period 17 mo.

Minimum loan period 4 mo.

Collateral

Real estate pledge

Guarantees / surety

Mortgage rank First order mortgage

Amount allocated by project owner 1 400 000.00 €

Objective of the loan

About the project

Building architecture and functions

Territorial solutions

Architectural solutions

Engineering infrastructure

Urban integration

Project's distinctive features:

Mixed use functionality (residential + commercial);
A++ energy efficient buildings;
Easy accessibility and fully developed infrastructure;
Aesthetic, minimalist architecture;
Green areas and recreational spaces;
Accessibility for all population groups.

More information about the project (see Description of the mortgaged property) (see Documents).

We inform you that the employees of UAB Nordstreet (company code 304565690) are investing in this project.

Investment from 50.00 €.

Interest

Annual interest rate

Investing from 50.00 € - fixed interest 11 %
Investing from 1 000.00 € - fixed interest 11.25 %
Investing from 4 000.00 € - fixed interest 11.5 %
Investing from 7 000.00 € - fixed interest 11.75 %
Investing from 10 000.00 € - fixed interest 12 %

Loan term and repayment

Loan period 17 mo.

Minimum loan period 4 mo.

Loan repayment At the end of the loan period

Estimated start date of the loan:* 2026-06-26

Estimated loan repayment date:* 2027-11-18

If the Debtor repays the Loan earlier than after the specified minimum loan period, it undertakes to pay interest to the Lender for the entire specified minimum period.

* The loan is planned to be repaid by the end of the project term from the expected growing income of the company, increasing profits, sale of assets or refinancing of the loan.

Procedure for disputes between parties to a financing transaction

The investor has the right to withdraw their investment within 96 hours from the submission of the money lending proposal on the platform

Loan protection collateral

Collateral

Real estate pledge

Guarantees / surety

Property type

Residential

Mortgage rank

First order mortgage

LTV

60%

Documentation

Asset Valuation Report

Report preparation date

2026-06-06

Assessor

UAB Vertinimo partneriai

Loan collateral:

Pledge of first-rank mortgage on the property located at Baltų av. 87B and 87C, Kaunas, Lithuania:

Land plot, the address of which is Kaunas, Baltų av. 87B, unique No. 4400-5348-8958, cadastral No. 1901/0020:93, Kaunas city k.v., area - 0,0920 ha, use designation - Other, use method - Territories of multi-apartment residential buildings and dormitories;
Building – Residential building, located at Baltų av. 87B, Kaunas, Lithuania, unique No. 4400-6779-6044, total area – 0.00 sq. m, main designated use of the item – Multi-apartment buildings, completion level – 8%;
Land plot, the address of which is Kaunas, Baltų av. 87C, unique No. 4400-5390-6791, cadastral No. 1901/0020:92 Kaunas city k.v., area - 0,0940 ha, use designation - Other, use method - Territories of multi-apartment residential buildings and dormitories;
Building – Residential building, located at Baltų av. 87C, Kaunas, Lithuania, unique No. 4400-6779-9420, total area – 0.00 sq. m, main designated use of the item – Multi-apartment buildings, completion level – 8%.

Value of the pledged property: EUR 2 700 000.

Additional security:

Guarantee (promissory note in double amount) of the company (borrower).

Description of the pledged property

For more information (see About the project) (see Documents).

Debtor

Company title UAB Cube REM

Company code 305868352

Company registration address

Kleboniškio g. 18 - 2 Kaunas Lietuva LT-44104

Company website https://baltuavenue.lt/

The shareholder of the company is 100% Marius Kubertavičius.

Projects implemented by the company in 2021-2025:

Modern one-storey residential houses in Noreikiškės, Kaunas district, Šaltinio st. 1 and 3. The project is distinguished by its modern architecture, high energy efficiency and quality construction.
Premium-class detached house in Žaliakalnis, Kaunas, Eigulių str. 18. The project is characterised by high quality finishing, modern technological solutions and exceptional design.
Two-bed house project in Petrašiūnai, Kaunas, Trešnių trail 5 and 7. Functional, modern houses with spacious yards and rational layouts.
Premium class individual house of 200 m² in Kaunas district, Hervantos st. 4. The project is distinguished by its modern design, top quality materials and ergonomic solutions.
Five semi-detached house project in Ringaudai - 10 flats of 153 m² each, Laurų st. 38, Miriniškiai. The project was completed in 2024 and is characterized by high technical performance, functionality and attractive location.

Documents

#	File name	File type	Actions
1	UAB Cube REM įstatai.pdf
2	Turto vertinimo ataskaita.pdf
3	STATYBOS LEIDIMAS_Baltų pr. 87C Kaunas metaduomenys.pdf
4	STATYBOS LEIDIMAS_Baltų pr. 87B Kaunas metaduomenys.pdf
5	BD 87C.pdf
6	BD 87B.pdf
7	SA 87B.pdf
8	SA 87C.pdf
9	Turto vertinimo ataskaita 2026-04-22.pdf
10	Turto vertinimo ataskaita 2026-06-06.pdf
11	PIID (13 etapas).pdf

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