Projects list

Liepų st. 3, Vyšniūnai, Stakliškių mun., Prienų d., Lithuania (1 stage)

Waiting for investments

Amount of funding 50 000 €

LTV 50%

Annual interest rate 12.00% - 13.00%

Total expected project return 12.00% - 12.99%

Loan period

12 mo.

Risk

A (low)

Purpose of the loan

Development loan

Collateral Real estate pledge

Country

Lithuania

Investors 36

Raised:
11 477 € Goal:
50 000 €

22.95%

How much will I earn if I invest:

Investment size

100.00 €

38 523.00 €

12% 12.25% 12.5% 12.75% 13%

With this project in one month I will earn

€

After 12 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 50 000 €

LTV 50 %

Risk A (low)

Payment of interest Every month

Loan repayment At the end of the loan period

Loan period 12 mo.

Minimum loan period 4 mo.

Collateral

Real estate pledge

Guarantees / surety

Mortgage rank First order mortgage

Amount allocated by project owner 358 000.00 €

Objective of the loan

The amount of €364,000 is required for the financing, which is raised in stages. The borrower's activity is the purchase, market adaptation/development and sale of residential and commercial real estate. The loan will be used for the finishing and furnishing of the real estate owned by the company, namely the 1,1749 ha site and the 3 197,23 sq.m. building and the courtyard structures, which are pledged against this loan. This is a conversion project, whereby the existing building is to be reconstructed and converted into a modern social care home for the elderly. The loan will be repaid by refinancing with another financial institution or from the proceeds of the sale of the company's activities or the sale of real estate. The amount to be contributed by the project owner itself is EUR 358 000.

About the asset

The mortgaged asset consists of a building, a cultural house, with a plot of land and other engineering structures (yard structures). The land plot has an area of 1.1749 ha, the use designation is other, the use types are public and commercial purpose object territories. The plot was formed after cadastral measurements, is fully built-up and adapted to the existing function.

The main building - the House of Culture - is a two-storey building with a basement, built in 1987, brick, 100 % complete. The total floor area of the building is 3 197,23 sq.m., part of which is registered as cultural premises and part of which is registered as auxiliary premises. The building is equipped with local central heating, water supply and sewage systems, and the construction is in accordance with the technical solutions typical of the construction period. The level of physical deterioration is considered to be average, taking into account the year of construction and the existing condition. The main building also includes other engineering structures, such as courtyards and swimming pools, which functionally complement the main building. These structures add to the overall functionality of the property.

The current use of the mortgaged property is for public purpose (cultural) activities. Taking into account the volume of the building, the planned structure, the size of the land plot and the permitted uses, alternative uses of the property are more appropriate: a social care home for the elderly, a community or leisure centre, a sports or recreational facility, a light commercial facility, as well as a mixed use of public and commercial purposes. The best and most efficient use is one that makes use of the existing volume and infrastructure of the building without requiring disproportionate investment.

The attractiveness of the mortgaged property on the market is enhanced by the large size of the building and the size of the plot, the possibility of adapting it to a wide range of activities, and the right of ownership without any registered third-party rights in rem. It is a functionally versatile property, suitable for both existing public and alternative commercial activities. The property has a stable physical structure, a clear legal situation and a potential for adaptation and is therefore considered a suitable collateral for long-term financing. The borrower's decision to reconstruct and convert the existing building into a modern social care home for the elderly significantly increases the value and liquidity of the project due to the scarcity of this type of building and the services it provides in the current market. The geographical location of the project to be developed is sufficiently favourable for the provision of the services planned on a regional scale.

For more information on the 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 12 %
Investing from 1 000.00 € - fixed interest 12.25 %
Investing from 3 000.00 € - fixed interest 12.5 %
Investing from 5 000.00 € - fixed interest 12.75 %
Investing from 7 000.00 € - fixed interest 13 %

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 12 mo.

Minimum loan period 4 mo.

Loan repayment At the end of the loan period

Estimated start date of the loan:* 2026-02-13

Estimated loan repayment date:* 2027-02-13

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 BigPlus

Company code 304898175

Company registration address

V. Nagevičiaus 3 Vilnius Lietuva LT-08237

BigPlus - company was founded on 27 August 2018. The main activities of the company are: (a) Computer programming (CESE 620100); (b) Construction of residential and non-residential buildings; (c) Building completion and finishing; (d) Consulting and related activities; consulting management of business and other management activities; restaurant and catering activities; passenger land transport; retail sale in non-specialised stores; wholesale on fee or contract basis. The company may engage in any other activity which is not contrary to the legislation of the Republic of Lithuania.

The main activity of Bigplus UAB is the purchase, sale and development of real estate. The company specialises in the acquisition, redevelopment and adaptation of residential and commercial properties to the needs of the market and their disposal to end-users. The company's objective is to create modern, functional and attractive real estate objects, ensuring their sustainable and long-term use.

The balance sheet assets of Bigplus 2024 are TEUR 514, equity TEUR 462, profit before tax TEUR 197.

The shareholder of Bigplus 2024 is:

MB Doronas with 100% of the shares.

Loan protection collateral

Loan collateral:

The property located at Liepų st. 3, Vyšniūnai, Stakliškės mun., Prienai d., Lithuania is subject to first-ranking mortgage:

Land plot with the following address: Vyšniūnų vil., Stakliškės mun., Prienai d., Liepų st. 3, area - 1,1749 ha, unique No. 4400-1978-7561, cadastre No. 6968/0004:205 Vyšniūnų k.v., purpose of use – other, methods of use – Public areas and Commercial areas;
Other engineering structures - Yard structures (pitches b2, b3, pools f1, f2), the address of which is Prienai d., Stakliškių mun., Vyšniūnų vil., Liepų st. 3, unique No. 4400-2102-9016, completeness - 100%;
Residential premises - House of Culture (Pat. 1-1 to 1-55; 1-92 to 1-101; in the basement P-1 to P-25), the address of which is Prienai d., Stakliškių mun., Vyšniūnų vil., Liepų st. 3-1, total area - 1 732,88 sq. m, unique No. 6998-7004-5014:0002, purpose group - Auxiliary, intended use - Other auxiliary, completion - 100%;
Non-residential premises - Premises (In the semi-basement (Basement: P-26 up to P-45; Ia.: 1-56 up to 1-91; 1-102 up to 1-132)), the address of which is Prienai d., Liepų st. 3-26, total area - 1 464,35 sq. m, unique No. 4400-0120-0926:5917, purpose group - Public, use - Cultural, completion - 100%.

Value of the pledged property: 728 000 EUR.

Additional means of collateral:

Company guarantee (promissory note in double amount);
Surety of the shareholder MB Doronas.

Description of the pledged property

The pledged immovable property is located at the address of the Prienai District, Stakliškės Municipality, Vyšniūnų Village, Liepų st. 3. Administratively, the property falls within the territory of the Prienai District Municipality, located in the southern part of the Republic of Lithuania. The municipality is bordered by the municipalities of Kaunas, Kaišiadorys, Trakai, Alytus districts, Birštonas, Marijampolė and Kazlų Rūda, and important national and international transport corridors, including the Via Baltica highway, pass through the municipality. The environment is dominated by single-family dwellings and farmhouses, isolated outbuildings, well-kept plots of land with green areas. The urban structure is low-rise, low-intensity and free from visual pollution, typical of rural settlements.

The geographical location of the mortgaged property is relatively favourable at regional level. The distance to the town of Stakliškės is about 7 km, to the town of Prienai - about 30 km, to the town of Kaunas - about 60 km. This distance distribution allows to combine a quiet rural environment with the possibility to reach the district and regional centres, where the larger administrative, commercial and social infrastructure is concentrated.

Access to the mortgaged property is provided by a local road - Liepų Street. The access to the district centre and the main regional roads is sufficient and suitable for daily use. Public transport services are available within the ward, while the main daily needs (shopping, educational, administrative services) are met in the nearest towns and in Prienai.

The land plot and its part are subject to special land use conditions related to the protection zones for engineering infrastructure (protection zones for water supply and sewage, heat transmission networks, electricity networks, electronic communications and distribution gas pipelines). These conditions are typical for this type of property and do not substantially restrict the existing use of the property for its intended purpose.

The location of the mortgaged property is considered by the valuers to be quiet, rural, suitable for public and commercial functions, with sufficient access and regional connectivity. Although the property is remote from major cities, its location provides stable accessibility and the nature of the environment is conducive to consistent and long-term use for existing or alternative purposes.

For further details (see About the project) (see Documents).

Strengths and risks

Strengths:

Company guarantee (bill of exchange) and its shareholder guarantee.
The first order of real estate pledge - mortgage.

Weaknesses:

Borrower 's activities are in a competitive sector.

Possibilities:

The annual interest rate payable by the borrower is 12.00-13.00%.

Threats:

Uncertain economic situation.
Rising cost of building materials.

Documents

#	File name	File type	Actions
1	UAB Bigplus įstatai.pdf
2	Turto vertinimo ataskaita.pdf
3	Vyšniūnų sklypo planas.pdf
4	PIID (1 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 50 000 €

LTV 50 %

Risk A (low)

Payment of interest Every month

Loan repayment At the end of the loan period

Loan period 12 mo.

Minimum loan period 4 mo.

Collateral

Real estate pledge

Guarantees / surety

Mortgage rank First order mortgage

Amount allocated by project owner 358 000.00 €

Objective of the loan

About the asset

For more information on the 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 12 %
Investing from 1 000.00 € - fixed interest 12.25 %
Investing from 3 000.00 € - fixed interest 12.5 %
Investing from 5 000.00 € - fixed interest 12.75 %
Investing from 7 000.00 € - fixed interest 13 %

Loan term and repayment

Loan period 12 mo.

Minimum loan period 4 mo.

Loan repayment At the end of the loan period

Estimated start date of the loan:* 2026-02-13

Estimated loan repayment date:* 2027-02-13

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

Other

Mortgage rank

First order mortgage

LTV

50%

Documentation

Asset Valuation Report

Report preparation date

2026-01-23

Assessor

UAB Vertinimo partneriai

Loan collateral:

The property located at Liepų st. 3, Vyšniūnai, Stakliškės mun., Prienai d., Lithuania is subject to first-ranking mortgage:

Land plot with the following address: Vyšniūnų vil., Stakliškės mun., Prienai d., Liepų st. 3, area - 1,1749 ha, unique No. 4400-1978-7561, cadastre No. 6968/0004:205 Vyšniūnų k.v., purpose of use – other, methods of use – Public areas and Commercial areas;
Other engineering structures - Yard structures (pitches b2, b3, pools f1, f2), the address of which is Prienai d., Stakliškių mun., Vyšniūnų vil., Liepų st. 3, unique No. 4400-2102-9016, completeness - 100%;
Residential premises - House of Culture (Pat. 1-1 to 1-55; 1-92 to 1-101; in the basement P-1 to P-25), the address of which is Prienai d., Stakliškių mun., Vyšniūnų vil., Liepų st. 3-1, total area - 1 732,88 sq. m, unique No. 6998-7004-5014:0002, purpose group - Auxiliary, intended use - Other auxiliary, completion - 100%;
Non-residential premises - Premises (In the semi-basement (Basement: P-26 up to P-45; Ia.: 1-56 up to 1-91; 1-102 up to 1-132)), the address of which is Prienai d., Liepų st. 3-26, total area - 1 464,35 sq. m, unique No. 4400-0120-0926:5917, purpose group - Public, use - Cultural, completion - 100%.

Value of the pledged property: 728 000 EUR.

Additional means of collateral:

Company guarantee (promissory note in double amount);
Surety of the shareholder MB Doronas.

Description of the pledged property

For further details (see About the project) (see Documents).

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