Projects list

Residential quarter Javų st., Šiauliai, Lithuania (1 stage)

Waiting for investments

Amount of funding 100 000 €

LTV 41%

Annual interest rate 14.00% - 15.00%

Total expected project return 14.00% - 15.00%

Loan period

12 mo.

Risk

C (higher)

Purpose of the loan

Refinancing

Collateral Real estate pledge

Country

Lithuania

Investors 11

Raised:
2 075 € Goal:
100 000 €

2.08%

How much will I earn if I invest:

Investment size

100.00 €

97 925.00 €

14% 14.25% 14.5% 14.75% 15%

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 100 000 €

LTV 41 %

Risk C (higher)

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 299 000.00 €

Pobjective of the loan

The amount of EUR 210 000 is required for the financing, which is being raised in stages. Part of the loan will be used to refinance an existing loan to Nordstreet UAB and the other part will be used for the design and other works necessary to obtain a building permit for the real estate project, i.e. the design and other works necessary to obtain a building permit for the development of the individual and semi-detached housing estate and to start the construction of the first phase of the development. The loan will be repaid by refinancing with another financial institution or from the proceeds of the sale of the property under development. The amount to be contributed by the project owner is EUR 299 000.

About the project

The land mass consists of 20 plots of land with the type of use - territories of single-family and semi-detached dwellings and one plot with the type of use - territories of communication and engineering ,communication service facilities. All the plots form a complete whole - a residential block of plots with a plot of land for transport and engineering communications services for the construction of a block of individual and semi-detached dwellings.

In the opinion of the assessors, the land parcels are suitable for their current use (single and two-family residential, transport and engineering corridor areas), and alternative uses could only be possible through a change of use.

Significant development and preparation works have been carried out in the period up to 2025, which have had a direct impact on the increase in the market value of the land parcels.

Major works carried out and circumstances:

1. Site design work: preparation and development of design solutions, preparatory work for site planning and development, preparation of documentation for building permits.

2. Development of engineering infrastructure: planning and design of communications, design of roads and access roads, preparation of infrastructure solutions for future phases of construction.

3. The project is at a significantly advanced stage of development: the site is being prepared for full development prior to obtaining building permits; the investment in design and infrastructure preparation has reduced the project's development risk and increased its investment attractiveness.

For more information about the project (see Documents) (see Loan Protection Safeguards).

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 14 %
Investing from 1 000.00 € - fixed interest 14.25 %
Investing from 3 000.00 € - fixed interest 14.5 %
Investing from 5 000.00 € - fixed interest 14.75 %
Investing from 7 000.00 € - fixed interest 15 %

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:* 2026-06-16

Estimated loan repayment date:* 2027-06-16

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 Audinlita

Company code 303285162

Company registration address

Aukštrakių 43 Sutkūnai Lietuva 76116

Company industry Real Estate

UAB Audinlita - was founded on 2014-04-09. Main activities: a) Raising of fur-bearing animals (EVRK 014910); b) Development of real estate projects.

UAB Audinlita - the current main activity of the company is the construction of single-family dwellings and duplex houses. The company's activities are focused on the creation of modern, high-quality and energy-efficient housing. Currently the company is starting to develop a block of single-apartment-twin dwellings in Šiauliai, Javų street.

The shareholder of the company is 100% Kęstutis Patkauskas.

Loan protection collateral

Loan collateral:

Mortgaged property located in Javų g., Šiaulių m. sav., Lithuania:

Land plot, unique No. 4400-6226-3921, area 0,0423 ha, address Šiauliai, Javų g. 63G, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3600, area 0,0423 ha, address Šiauliai, Javų g. 61J, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-3654, area 0,0423 ha, address Šiauliai, Javų g. 63, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3732, area 0,0423 ha, address Šiauliai, Javų g. 63A, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3776, area 0,0423 ha, address Šiauliai, Javų g. 63B, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique Nr. 4400-6226-3832, area 0,0423 ha, address Šiauliai, Javų g. 63C, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-3854, area 0,0423 ha, address Šiauliai, Javų g. 63D, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3876, area 0,0423 ha, address Šiauliai, Javų g. 63E, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3887, area 0,0423 ha, address Šiauliai, Javų g. 63F, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique Nr. 4400-6226-3565, area 0,0416 ha, address Šiauliai, Javų g. 61Y, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-3465, area 0,0410 ha, address Šiauliai, Javų g. 61H, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3365, area 0,0990 ha, address Šiauliai, Javų g. 61G, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3332, area 0,0512 ha, address Šiauliai, Javų g. 61F, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-1460, area 0,0483 ha, address Šiauliai, Javų g. 61E, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-1092, area 0,0803 ha, address Šiauliai, Javų g. 61D, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-0940, area 0,0405 ha, address Šiauliai, Javų g. 61C, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-9696, area 0,0426 ha, address Šiauliai, Javų g. 61B, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique Nr. 4400-6225-9685, area 0,0446 ha, address Šiauliai, Javų g. 61A, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-3510, area 0,0414 ha, address Šiauliai, Javų g. 61I, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6225-9663, area 0,0466 ha, address Šiauliai, Javų st. 61, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-4184, area 0,2291 ha, address Šiauliai (no address has been given for the plot), territories of communication and engineering communications service facilities.

Value of the pledged property EUR 509 000

Additional security:

Company's guarantee (promissory note);
Guarantee of the shareholder and director Kęstutis Patkauskas.

Description of the pledged property

The pledged land plots are located at the address: Šiauliai, Javų str. 61Y, Javų str. 63G, Javų g. 61J, Javų g. 63, Javų g. 63A, Javų g. 63B, Javų g. 63C, Javų g. 63D, Javų g. 63E, Javų g. 63F, Javų g. 61H, Javų g. 61G, Javų g. 61F, Javų g. 61E, Javų g. 61D, Javų g. 61C, Javų g. 61B, Javų g. 61A, Javų g. 61I, Javų g. 61, Šiauliai (within value zone 44.26). This value zone consists of residential and agricultural land. Private owners of agricultural land are changing the use of the land, dividing the land and selling it to private buyers or companies, which is leading to the formation of new residential areas.

The mortgaged property (the array of plots) is located in the southern part of the city of Šiauliai, in the emerging residential area of the new construction. The mortgaged land plots are located approximately 6 km from the centre of Šiauliai. Convenient access to the city centre and other districts of the city by public and individual transport, good access to the pledged property (asphalt pavement in Gytarių St., about 100 m of gravel pavement in Javų St.). Near the mortgaged property there is Gytarių Park, Šiauliai kindergarten "Eglutė" (distance approx. 950 m), Šiauliai kindergarten "Žiogelis" (distance approx. 1,4 km), Šiauliai Gytarių Pro-Gymnasium (distance approx. 800 m), Šiauliai "Romuvos" Gymnasium (distance approx. 1,4 km), a bus stop nearby (distance approx. 100 m).

The plots are of regular polygonal shape, of smooth relief, overgrown with grass, and there is no construction activity at present. Access is via the asphalted Gytarių Street and approx. 100 m of gravel road. The plots are adjacent to undeveloped residential plots. In the vicinity of the plots, individual and sub-unit residential houses are under construction. The mortgaged property constitutes a complete unit - a block of residential plots with a plot of land for the construction of individual and block residential houses, with a plot of land for the provision of transport and engineering communications.

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

Strengths and risks

Strengths:

Company guarantee (bill of exchange) and guarantee of its director and shareholder.
The first order of real estate pledge - mortgage.
3 months interest deposit

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 14.00-15.00%.

Threats:

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

Documents

#	File name	File type	Actions
1	Audinlita įstatai.pdf
2	Žemės sklypų planai.pdf
3	Turto vertinimo ataskaita.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 100 000 €

LTV 41 %

Risk C (higher)

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 299 000.00 €

Pobjective of the loan

About the project

Significant development and preparation works have been carried out in the period up to 2025, which have had a direct impact on the increase in the market value of the land parcels.

Major works carried out and circumstances:

1. Site design work: preparation and development of design solutions, preparatory work for site planning and development, preparation of documentation for building permits.

2. Development of engineering infrastructure: planning and design of communications, design of roads and access roads, preparation of infrastructure solutions for future phases of construction.

For more information about the project (see Documents) (see Loan Protection Safeguards).

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 14 %
Investing from 1 000.00 € - fixed interest 14.25 %
Investing from 3 000.00 € - fixed interest 14.5 %
Investing from 5 000.00 € - fixed interest 14.75 %
Investing from 7 000.00 € - fixed interest 15 %

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:* 2026-06-16

Estimated loan repayment date:* 2027-06-16

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

41%

Documentation

Asset Valuation Report

Report preparation date

2026-04-20

Assessor

UAB Vertinimo partneris

Loan collateral:

Mortgaged property located in Javų g., Šiaulių m. sav., Lithuania:

Land plot, unique No. 4400-6226-3921, area 0,0423 ha, address Šiauliai, Javų g. 63G, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3600, area 0,0423 ha, address Šiauliai, Javų g. 61J, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-3654, area 0,0423 ha, address Šiauliai, Javų g. 63, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3732, area 0,0423 ha, address Šiauliai, Javų g. 63A, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3776, area 0,0423 ha, address Šiauliai, Javų g. 63B, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique Nr. 4400-6226-3832, area 0,0423 ha, address Šiauliai, Javų g. 63C, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-3854, area 0,0423 ha, address Šiauliai, Javų g. 63D, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3876, area 0,0423 ha, address Šiauliai, Javų g. 63E, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3887, area 0,0423 ha, address Šiauliai, Javų g. 63F, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique Nr. 4400-6226-3565, area 0,0416 ha, address Šiauliai, Javų g. 61Y, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-3465, area 0,0410 ha, address Šiauliai, Javų g. 61H, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3365, area 0,0990 ha, address Šiauliai, Javų g. 61G, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-3332, area 0,0512 ha, address Šiauliai, Javų g. 61F, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-1460, area 0,0483 ha, address Šiauliai, Javų g. 61E, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-1092, area 0,0803 ha, address Šiauliai, Javų g. 61D, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-0940, area 0,0405 ha, address Šiauliai, Javų g. 61C, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-9696, area 0,0426 ha, address Šiauliai, Javų g. 61B, purpose - other, use - territories of one- and two-family residential buildings;
Land plot, unique Nr. 4400-6225-9685, area 0,0446 ha, address Šiauliai, Javų g. 61A, purpose - other, use - territories of one- and two-family residential buildings;
Land parcel, unique No. 4400-6226-3510, area 0,0414 ha, address Šiauliai, Javų g. 61I, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6225-9663, area 0,0466 ha, address Šiauliai, Javų st. 61, purpose - other, use type - territories of one- and two-family residential buildings;
Land plot, unique No. 4400-6226-4184, area 0,2291 ha, address Šiauliai (no address has been given for the plot), territories of communication and engineering communications service facilities.

Value of the pledged property EUR 509 000

Additional security:

Company's guarantee (promissory note);
Guarantee of the shareholder and director Kęstutis Patkauskas.

Description of the pledged property

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

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