Projects list

Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakų d., Lithuania (1 stage)

Waiting for investments

Amount of funding 100 000 €

LTV 65%

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

Loan for acquisition

Collateral Real estate pledge

Country

Lithuania

Investors 8

Raised:
1 150 € Goal:
100 000 €

1.15%

How much will I earn if I invest:

Investment size

100.00 €

98 850.00 €

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 65 %

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 102 550.00 €

Objective of the loan

The financing requires an amount of €190,450 to be raised in stages. The loan will be used to finance the acquisition of immovable property - a land plot of 0,1007 ha, a dwelling house with a total area of 196,41 sq.m and its annex - a garage, located at Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania, and the financing of finishing works. All the properties form an integrated real estate complex. The loan will be repaid by refinancing with another financial institution or from the proceeds of the sale of the completed property. The amount to be contributed by the project owner to the project is EUR 102,550.

About the project

The property is a modern, two-storey detached house with an integrated garage, built on a slope by forming a basement level for the building on the lower side.

Construction of the residential building, which started in 2015 and will be completed by 2022, is now 79 % complete. The building is a non-exceptional two-storey building with a semi-basement, designed using modern structural solutions. The foundations of the building are constructed as pile foundations with a rostrum, the external walls are made of gas silicate blocks and insulated, and the internal partitions are made of expanded clay concrete. The slabs are of reinforced concrete and the roofing is made of imitation metal tiles. The premises have a monolithic concrete staircase, plastic double-glazed windows and metal external doors. The interior finishes are unfinished: the walls, ceilings and floors remain structural, the flooring is monolithic concrete. The building has an individual central heating system, but water, sewage and gas are not installed or connected.

The construction of the building was carried out under a building permit issued by the Trakai District Municipality. A certificate of construction without material deviations from the design (No ACUB-30-220629-00590) was received on 29 June 2022, confirming that the building complies with the design requirements and can be registered as completed to a certain extent.

Characteristics of the building:

Constructions: masonry, monolithic slabs, concrete staircase.
Windows: large stained-glass windows in the corner areas, giving the space a sense of light and view.
The ground floor and the basement level allow for additional functional rooms.
The garage is integrated into the volume of the building, which is convenient both for maintenance and aesthetics.
Interior finishing is not done, the installation of electrical and other engineering networks has been started.

According to the analysis carried out on the property and its use, in the opinion of the valuers, the optimal and economically reasonable use of the property is the construction of a single-family dwelling for a permanent family living. The architectural form of the building, the orientation of the windows, the potential of the internal spaces and the environment are adapted to this function. Other uses (e.g. rental project, administrative use) would be less effective due to the specificities of the site.

The site is attractive due to its modern architecture, panoramic views and natural environment, quiet suburban location, large windows and modern layout potential, and the possibility to adapt the house to individual needs. The unfinished finishing and furnishing works reduce the immediate liquidity but give the buyer the opportunity to complete the house according to his/her needs, which is often considered an advantage. Once the fitting out is complete, the liquidity of the property is considered good.

Potential buyers: families looking for a detached house in a quiet neighbourhood; buyers from the city who want to move to the countryside; investors planning to fit out the property and resell it with an added value.

This property is a functional, modern and high-potential detached house, suitable for permanent residence. Although the construction is not completely finished, the project is of high visual and structural quality and the location is attractive. This will result in good liquidity, especially once the property reaches a higher level of completion, and the property itself will be competitive and marketable.

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

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 7 500.00 € - 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:* 2025-12-12

Estimated loan repayment date:* 2026-12-12

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 MB Šviesos kelias LT

Company code 307409547

Company registration address

Kalvarijų g. 125 Vilnius Lietuva 08221

MB Šviesos kelias LT is a company incorporated on 29 August 2025. The company may engage in any other activity that is not contrary to the legislation of the Republic of Lithuania.

MB Šviesos kelias LT is a real estate development company specialising in the implementation of low-rise residential projects. The main objective of its activities is to create affordable and quality housing for young families by creating a modern, comfortable and aesthetic living environment. We plan to operate as a project management company, ensuring the entire development process - from conceptualisation and design to construction and sale of the properties. This business model allows us to manage each stage efficiently, shorten lead times and ensure a high standard of quality. Professional project management and flexible decision-making are key. We will use both our own and external financial resources to implement the projects, which will allow us to implement our plans quickly and offer competitive housing solutions to the market. The company's mission is to contribute to the creation of modern residential neighbourhoods and to provide young families with affordable, reliable and comfortable housing, creating a sustainable environment for life and the growth of future generations.

The 100% shareholder of the company is Ekaterina Morozova.

Loan protection collateral

Loan collateral:

The following property at Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania is subject to first-ranking mortgage:

Land plot of land at Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania, area - 0,1007 ha, unique No. 4400-2531-2480, cadastral No. 7940/0006:67 Kariotiškių k.v., use - other, use - territories of single and two-family residential buildings;
Building - Single-family dwelling house, with the address of the address of the building - Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania, total area - 196,41 sq. m, unique No. 4400-3755-1212, intended use - single-family, completion - 79%;
Building - Garage, address Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania, built-up area - 41,00 sq. m, unique No. 4400-5854-2424, use purpose - auxiliary farm, completion - 100%.

Value of the pledged property: EUR 293 000.

Additional security:

Guarantee of the company (borrower) (double promissory note);
Surety of Ekaterina Morozova, shareholder;
3 (three) months interest deposit.

Description of the mortgaged property

The mortgaged property is a detached dwelling house with a garage as an attachment, located in a low-rise residential area with low intensity of development, a quiet environment and a predominance of single-apartment and semi-detached dwellings. The property is located in an established, infrastructurally developing residential area with a mix of newer and older houses.

The plot is bordered by a local asphalt road providing easy access to the property. The property is served by electricity and other communications (water supply, sewage). The access road is in good condition, of sufficient width and suitable for cars. The property is located on an elevated position with a wide panoramic view of the settlement, the valley and the forested areas beyond. This topography is visually apparent in the photographs and adds to the attractiveness of the property in terms of views, lighting and privacy. The site is adjacent to plantations, individual mature trees and open green spaces.

The site is located in a growing residential segment where modern detached houses are being built. Social infrastructure (schools, shops, services) is within a few minutes' drive and the natural environment provides recreational potential.

The land use of the site is residential, therefore the existing and potential use of the property is fully in line with the spatial planning documents and is not restricted by special land use conditions that would prevent the use of the property as a residential site.

The appraisers consider the site to be an attractive, functional and, in the long term, liquid location, typical of suburban residential development. The convenient access, beautiful views, tranquillity and the growing settlement give the site a competitive advantage for both permanent residence and potential prospective investment.

For more 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.
The project is near the end.
3 months interest deposit

Weaknesses:

The borrower has been operating for less than a year.
Borrower 's activities are in a competitive sector.

Possibilities:

The annual interest rate payable by the borrower is 14.00-15.00%.

Threats:

A young company.
Uncertain economic situation.
Rising cost of building materials.
The property is under construction.

Documents

#	File name	File type	Actions
1	Nuostatai MB Šviesos Kelias LT.pdf
2	Turto vertinimo ataskaita.pdf
3	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 65 %

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 102 550.00 €

Objective of the loan

About the project

The property is a modern, two-storey detached house with an integrated garage, built on a slope by forming a basement level for the building on the lower side.

Characteristics of the building:

Constructions: masonry, monolithic slabs, concrete staircase.
Windows: large stained-glass windows in the corner areas, giving the space a sense of light and view.
The ground floor and the basement level allow for additional functional rooms.
The garage is integrated into the volume of the building, which is convenient both for maintenance and aesthetics.
Interior finishing is not done, the installation of electrical and other engineering networks has been started.

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

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 7 500.00 € - 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:* 2025-12-12

Estimated loan repayment date:* 2026-12-12

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

65%

Documentation

Asset Valuation Report

Report preparation date

2025-11-05

Assessor

UAB Vertinimo partneriai

Loan collateral:

The following property at Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania is subject to first-ranking mortgage:

Land plot of land at Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania, area - 0,1007 ha, unique No. 4400-2531-2480, cadastral No. 7940/0006:67 Kariotiškių k.v., use - other, use - territories of single and two-family residential buildings;
Building - Single-family dwelling house, with the address of the address of the building - Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania, total area - 196,41 sq. m, unique No. 4400-3755-1212, intended use - single-family, completion - 79%;
Building - Garage, address Saulės st. 5, Naujojo Lentvario vil., Lentvario mun., Trakai d., Lithuania, built-up area - 41,00 sq. m, unique No. 4400-5854-2424, use purpose - auxiliary farm, completion - 100%.

Value of the pledged property: EUR 293 000.

Additional security:

Guarantee of the company (borrower) (double promissory note);
Surety of Ekaterina Morozova, shareholder;
3 (three) months interest deposit.

Description of the mortgaged property

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

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