Businesses Seeking Loan in Europe

- Seeking senior secured lender on a $1.5 million short-term commodity trade finance facility for a Turkish tobacco trader. - Each deal amount is approx $750,000 on shipment of tobacco leaves from India to Antwerp, Belgium. - Up to 2 deals may overlap but cannot exceed $1.5 million in aggregate. - Each deal is for a total duration of approx 60 – 90 days and is on an uncommitted, transactional basis and continuously recurs. - Each deal is comprised of 2 phases. First phase is voyage finance from India load port to a warehouse in Antwerp, Belgium for a duration of up to 60 days. - Second phase is warehouse finance in Antwerp, Belgium for a duration of up to 30 days. - Shipped tobacco is pledged as collateral to the Lenders. - Senior secured lender to provide 85% of each loan. - The company will provide 15% of each loan as a junior secured lender and document the agreements and book/administer the loans. Senior lender interest rate is SOFR + 12%pa. Current SOFR is approx 5.35%pa. Thus, all in rate is 17.35% pa (=12% + 5.35%) currently. - There will be a floor SOFR of 3.5% pa. - Established 16 years ago and headquartered in Istanbul, Turkey, promoter is a tobacco producer and trader. The company has over 120 employees of which 30 employees are in Turkey. - There are 100 clients, globally located but most of them are in Europe. - The company has 7 years of strong relationship with the Indian supplier, ITC. Purchases 4 - 5 shipments from ITC every year with satisfactory performance on quality and quantity. - Company's total assets are $4.5 million, and annual sales are $2.8 million. - The promoter is New York based and is currently in Tokyo, the business is headquartered in Istanbul.

- Company involved in the processing and export of Cocoa to Northern Africa. - Seeking senior secured lender for a USD 1.5 million short-term commodity trade finance facility for a cocoa processor/trader in Spain. - Each deal amount is approx USD 50,000 - USD 100,000 on shipment of cocoa powder from Spain to 4–5 buyers mainly in Northern Africa (Morocco, Algeria, and Tunisia). - Each deal of 40-80 days is on an uncommitted, transactional basis and continuously recurs. - 60% of the deals are receivable finance of 30–60 days. Buyer non-payment risk is covered with Coface Spain credit insurance. - 10% of the deals are voyage finance of 10–20 days. Financing is from the load port to the destination port. The lender receives payment 2 days before the vessel. Arrives at the destination port. Release of title to cocoa occurs after receipt of payment. - 30% of the deals are voyage finance followed by receivable finance for a financing period of 40–80 days. - Up to 15 deals may overlap but cannot exceed USD 1.5 million in aggregate. - Senior secured lender to provide 85% of each loan. Hommocks will provide 15% of each loan as a junior secured lender. - Hommocks will document the agreements and book/administer the loans. - Interest rate is SOFR + 8%pa. Current SOFR is approx 5.35%pa. Thus, all-in rate is 13.35 %pa (=8.5% + 5.35%) currently. There will be a floor SOFR of 3.5%pa. - The borrower company was founded 11 years ago and is located in Northern Spain. - The borrower company's annual sales are USD 2.5 million, total assets USD 4 million, and equity is USD 0.8 million.

- Seeking investment for constructing 10 mini houses in Dugo Selo, Croatia. - Intended use: Rental for residential purposes. - Company boasts 20 years of experience in the field. - Possession of necessary licenses for construction and operation. - Dugo Selo situated in Zagreb County, recognized as a prime locality for rental properties.

- Number of customers catered to date is around 150+. - Have completed over 150 projects to date. - Promoter has received certificates regarding epoxy flooring and decorative wall effects from Novacolor Italy. - We always make sure to improve our services for our customers. - Our services are varied and include a wide variety of techniques. - The materials used are harmless to people, the environment, and animals.

- The company is located in Urjala and focuses on developing the Tekla and Trimble structures software and providing training to designers. - Offer training, development and maintenance, consulting and data model coordinator services for the structures software from residential buildings to office buildings. - The owner has 20 years of experience in information modeling and has established extensive contact networks and long-term cooperation agreements with software suppliers. - The business has experienced significant growth, with an annual turnover expected to reach EUR 120,000 by the end of this year, representing a substantial increase from EUR 30,000 the previous year. - It is the only company in Finland engaged in this specific type of collaboration with Trimble Oy, indicating a unique positioning in the market. - The company has successfully managed to secure 5 Finland based clients in the industrial machinery sector, operating on a project-based revenue model with an average of 3 projects per year. - The average project duration is 6 months, with an average project value ranging from EUR 40,000 to EUR 50,000, indicating a consistent and substantial project pipeline. - The business has 1 permanent employee, who is the owner, no additional employees. However, he is planning to recruit 3 to 5 more employees.

- Asset management firm located in Wales, specializing in providing funding to companies operating in the luxury goods market. - The business model involves the clients investing in the company and in return the company re-investing in other firms, and as of now, the company has 5 clients, comprising both individual investors and investment companies. - Currently invested in one firm and is seeking to expand its investments to more companies in the near future. - The company retains 14% of the returns from its investments. - The company's approach to funding differs from traditional pawnbrokers, as it does not deal directly with individuals seeking finance through the pledge of assets. Instead, it provides funding to companies that engage in this type of financing. - The average global rate for pawnbrokers is estimated to be 5% per month; however, the company's focus on higher echelon assets and operating at a secondary level leads to its decision to use this rate. - Business has a Financial Conduct Authority (FCA) license. - There are 3 permanent employees, additionally, there are agents stationed at various locations.

- Team of Medical doctors and Economists from Poland seeking to procure and complete the construction of a residential complex project in Gniezno, Poland. - The project involves the construction of two apartment towers, each consisting of three floors, totaling 42 flats, in first 2 floors shopping mall and a medical facility. - The construction of the complex was previously initiated by a different company but was abandoned due to funding constraints. The promoter is seeking to procure and complete the project. - The project is estimated to take around one year to complete, offering a relatively quick turnaround on investment. - Upon completion, the owner plans to rent out the shopping center spaces and apartments, while the medical facility will run by himself.

- Business specializes in funding international sustainable energy projects, especially when focused on the provision of energy. - We actively invest in solar projects. - Business is entering into joint-venture partnerships with sovereign nations, governments, municipalities, charities, and public and private sector entities to generate sustainable clean energy. - Business is also into funding research and development into transportable energy solutions. - Business is a startup that was started last year so the previous year's reported sales are not mentioned. - Business is part of a UK FCA-regulated Firm. - Our headquarters are in London and another branch is in Dubai. - A bond issue listed with Swiss ISIN numbers listed on the Vienna Stock Exchange. - We are a public company with a GBP 50k stock value. - The investment amount is negotiable with the interested investors.

- Company has good year-to-year growth. - Clients that we are working with have been with us for years. - Have completed over 500 events to date. Also, have around 30 upcoming events shortly. - Owners have good experience with a focus on the company. - The company has a good team of employees. Also, hire contract-based employees when needed.

- Printing business located in Skopje and offers printing services for apparel and accessories. - The company takes both repeated orders from existing clients and also print on demand services, including live event printing with AI-generated designs and hand modification by designers. - Last year, the business participated in 3 festivals and 1 event and produced over 3,000 t-shirts and 700 hoodies for various companies. - Additionally, the business owns a brand that specializes in branded apparel and seeks collaborations with artists and celebrities to create a unique brand identity and designs. The company also manages the manufacturing and sale process for these collaborations. - The promoter has 6 years of experience in the printing industry. - The company has established business relationships with 3 brands based in North Macedonia, including Authentic Klein, marketing and larger companies with 200-300 employees, from which it receives annual repeat orders. - The production capacity of the business is approximately 200 shirts or 100 hoodies per day for DTG (Direct to Garment) highest quality print, and 2000 shirts or hoodies for DTF (Direct to Film) print. The capacity for other products such as caps, bags, and mugs etc. depends on the material type, but roughly 200-300 a day.

- The business specializes in offering holistic health coaching and a variety of products related to health, understood in a way that means not only symptoms but also well being on all levels of experience. - We provide Ayurvedic health coaching with recommended tools to serve a healthy lifestyle, activating your authentic balanced self, and reflecting focus on holistic wellness and balance. - The products and services offered include holistic health coaching, recommendations for living habits, eating habits, and various Ayurvedic products such as herbs, spices, plant medicine, natural incense, creams, jewelry, and artwear. - Additionally, the business will operate a website where it sells these products. - The business model includes organizing events and workshops in Pisac, Peru, and offering online services to the people met there, with a vision to expand into a community center with retreats and various healing modalities. - Uses Calendly for scheduling 44-minute calls, available daily, at a charge of 44-77€ per session, enabling potential clients to book appointments conveniently. - Receive about 1 to 4 orders per week for the Alchemical products. These are sourced from the USA from Blue Emerald Alchemy, for whom we are official European distributors. - There is a focus on sustainability and holistic well-being, with a potential for growth into a larger community center and retreat space, combining online services with physical events and workshops. - The business is registered in Germany, but the owner is currently in Peru for the business.