Residential Real Estate Construction Company Seeking Loan in Riga, Latvia

Every €100,000 Builds one house – Secured returns up to 15%. our top-selling product is compact family houses priced at apartment levels. These are 60–80 m² single-family homes with private land plots, which are designed as an alternative to buying a city apartment.
Who uses them:
Young families and couples who want more space, privacy, and a garden, but at the same cost as a large apartment in Riga.
Buyers supported by bank financing (including ALTUM programs), as well as tenants in the rental model.
Investors who purchase houses for rental income portfolios.
How they are used:
End users live in them as their primary homes, benefiting from lower monthly payments compared to apartments.
Investors place them into the rental market, generating stable rental income with professional management. Tangible assets include the land, constructed buildings, and construction equipment.
To facilitate rapid development and scale operations, we offer a flexible investment model where buildable land plots can be transferred to the investor's name as collateral. Our project is a residential village near Riga with strong demand and secured land for large-scale expansion.
Built-up Area: Already 40+ homes completed (60–120 m² each), with capacity to build 250+ additional units.
Construction Profile: Predominantly 1–2 floor single-family houses, fast build cycle — 3–6 months from start to handover.
Rental/Lease Details: Homes are highly attractive for both end-buyers (with bank financing) and renters, generating ~€1,000/month gross rent per unit. Latvia’s rental law ensures tenant discipline with eviction of non-payers within 3 months.
Investor Proposition: For investors providing loans, we offer secured returns up to 15% annually, backed by real assets (land and houses under construction). Capital rotation is fast — repayment within 6 months from customer purchases and bank financing. Funding source: The business is primarily funded through equity from the founder/family ownership and project-based bank loans.
Debts/loans: Existing financing includes standard construction loans and mortgages from local banks (e. g. , Swedbank, Luminor, West Kredit). Current debt levels are structured on a per-project basis, and are serviced directly from sales proceeds. [Here you can insert exact figures if you want to show transparency. ]
Shareholding Structure:
Founder/promoter: ~100% ownership (family-owned business, third generation in construction).
External shareholders: None at this stage — we are now open to welcoming partners/investors to accelerate growth.