Loan 317969-01 - Business Loan Latvia

Loan Details

Loan Type Business Loan
Loan Amount € 30 000.00
Remaining Principal € 0.00
Effective APR charged to borrowers 28.5%
Interest Rate 13.8%
Initial LTV 100%
LTV -
Initial Term 35 m. 17 d.
Remaining Term 13 m. 26 d.
Amortization Method Full
Listing Date 07.11.2016
Date of Issue 28.10.2016
Closing Date 15.10.2019
Status Finished prematurely
Loan Originator Capitalia
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  • Borrower and Collateral
  • Payment Schedule
  • Investment Breakdown
  • Debt Collection
  • Borrower and Collateral Details

    Loan PurposeWorking Capital
    BorrowerCompany
    Business sectorManufacture of furniture
    DescriptionA furniture production company, which is owned by a carpenter in the second generation. Specializing in wood, glass and aluminium furniture, as well as kitchen interior manufacture. Offers full range of services- design, production, delivery and installment of the furniture. The company has cooperation agreements with many of their clients and is exporting part of their production to Scandinavia.
    Registered23.11.2010
    Risk category D
    Estimated annual default rate 3.8
    Personal guarantee yes
    Collateral Apartment in Ogre. Tīnūžu Street 3A-71
    Country Latvia
    Valuation€ 30 000 / 18.10.2016
  • DatePrincipal Interest TotalPayment ReceivedPayment DateStatus
    15.11.2016 € 540.91 € 92.00 € 632.91 € 632.91 16.11.2016 Paid
    15.12.2016 € 553.53 € 338.78 € 892.31 € 892.31 30.12.2016 Paid after the due date
    15.01.2017 € 566.45 € 343.49 € 909.94 € 909.94 20.01.2017 Paid after the due date
    15.02.2017 € 579.66 € 336.76 € 916.42 € 916.42 27.02.2017 Paid after the due date
    Received late payment fee: € 25.20
    15.03.2017 € 593.19 € 297.95 € 891.14 € 891.14 22.03.2017 Paid after the due date
    Received late payment fee: € 13.37
    15.04.2017 € 607.03 € 322.83 € 929.86 € 929.86 07.05.2017 Paid after the due date
    Received late payment fee: € 3.90
    15.05.2017 € 621.19 € 305.43 € 926.62 € 926.62 19.05.2017 Paid
    15.06.2017 € 635.69 € 308.23 € 943.92 € 943.92 06.07.2017 Paid after the due date
    15.07.2017 € 650.52 € 290.98 € 941.50 € 941.50 04.08.2017 Paid after the due date
    15.08.2017 € 665.70 € 292.95 € 958.65 € 958.65 28.08.2017 Paid after the due date
    15.09.2017 € 681.23 € 285.04 € 966.27 € 966.27 11.10.2017 Paid after the due date
    15.10.2017 € 697.13 € 268.01 € 965.14 € 965.14 27.10.2017 Paid after the due date
    15.11.2017 € 713.40 € 268.66 € 982.06 € 982.06 24.01.2018 Paid after the due date
    15.12.2017 € 730.04 € 251.79 € 981.83 € 981.83 27.01.2018 Paid after the due date
    15.01.2018 € 747.08 € 251.50 € 998.58 € 998.58 09.04.2018 Paid after the due date
    15.02.2018 € 764.51 € 242.62 € 1 007.13 € 587.84 Late
    15.03.2018 € 782.35 € 210.94 € 993.29 € 210.94 Late
    15.04.2018 € 800.60 € 224.24 € 1 024.84 € 224.24 Late
    15.05.2018 € 819.28 € 207.80 € 1 027.08 € 116.38 Late
    15.06.2018 € 838.40 € 204.99 € 1 043.39 Late
    15.07.2018 € 857.96 € 188.74 € 1 046.70 Late
    15.08.2018 € 877.98 € 184.84 € 1 062.82 Scheduled
    15.09.2018 € 898.47 € 174.40 € 1 072.87 Scheduled
    15.10.2018 € 919.43 € 158.44 € 1 077.87 Scheduled
    15.11.2018 € 940.88 € 152.80 € 1 093.68 Scheduled
    15.12.2018 € 962.84 € 137.05 € 1 099.89 Scheduled
    15.01.2019 € 985.30 € 130.18 € 1 115.48 Scheduled
    15.02.2019 € 1 008.29 € 118.47 € 1 126.76 Scheduled
    15.03.2019 € 1 031.82 € 96.18 € 1 128.00 Scheduled
    15.04.2019 € 1 055.90 € 94.22 € 1 150.12 Scheduled
    15.05.2019 € 1 080.53 € 79.04 € 1 159.57 Scheduled
    15.06.2019 € 1 105.75 € 68.84 € 1 174.59 Scheduled
    15.07.2019 € 1 131.55 € 53.90 € 1 185.45 Scheduled
    15.08.2019 € 1 157.95 € 42.25 € 1 200.20 Scheduled
    15.09.2019 € 1 184.97 € 28.49 € 1 213.46 Scheduled
    15.10.2019 € 1 212.49 € 13.94 € 1 226.43 Scheduled
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  • History of Actions

    DateActionDescription
    16.04.2018 Communication with the client Ongoing negotiation on friendly settlement of the debt
    16.05.2018 Communication with the client Client is making partial payments, should be back to schedule on 01.06.2018
    28.06.2018 Communication with the client Ongoing negotiation on friendly settlement of the debt