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Capitalia

Last Updated: 30.09.2020. Date when the basic information was updated
Capitalia
Loans Originated Total volume of loans issued by this company to borrowers since its founding.
€ 80 M
Loan portfolio Loans issued by the lending company to borrowers at the time of the most recent financial statement that are current or less than 60 days late.
€ 7.8 M
Buyback obligation A credit enhancement given by the lending company or other entity to the Issuer for a particular Set of Notes. If an underlying loan is more than 60 days late, the lending company is obligated to buy back the investment at nominal value plus accrued, outstanding or late interest. Usually, this means investors will be able to recover their investment in case of a borrower default.
With a buyback obligationWithout a buyback obligation
Skin in the Game To ensure the interests of a lending company and investors are aligned, the company is required to keep a stake of each investment opportunity it offers through Mintos. This is called the company's skin in the game.
5% - 20%
Average Interest % The weighted average interest rate of investment opportunities from this lending company.
12.6%
Website:
capitalia.com
Founded:
2007
Employees:
17
Loan Types: The type of loan the company has issued to borrowers.
Invoice financing Pledge type group invoice financing
Business loan Pledge type group business
Countries: Countries in which the loans were issued by the lending company.
Currencies: Currencies in which investment opportunities from the company are offered.
EUR
Outstanding investments: Total volume of outstanding and available investments from this company on Mintos. Updated daily.
€ 365 737
Schedule extension: During the first 30 days after the due date of a loan payment, the borrower can opt for extending the loan payment schedule. The maximum number of extensions depends on the loan agreement and can't be more than 6. If the lending company agrees, the loan will be automatically updated, with the new schedule, and the due dates for all outstanding payments will be extended by up to 31 days. Investors will continue to earn the same interest throughout the remaining loan term.
Up to 6

Recent News

25.02.2021

Capitalia is about to exit Mintos

28.02.2020

Capitalia expands its offering to Mintos investors by placing business loans backed by car stock on the marketplace

12.08.2019

Capitalia finances 42 Baltic companies with EIF guarantee

30.04.2019

Capitalia partners with EIF to provide loan default guarantee on Mintos

12.06.2018

Latvia: a fast-growing alternative finance industry

28.02.2018

Capitalia unaudited interim consolidated financial statements for year 2017

22.12.2017

Notice on redemption of bonds

21.12.2017

Financial calendar of Capitalia, 2018

29.11.2017

LO Spotlight: Interview with CEO of Capitalia

28.11.2017

Now you can select Capitalia loans by risk categories
All News

About

Capitalia is a go-to lender for small and medium-sized enterprises that are seeking fast, simple, and transparent financing to grow their business. Since 2014 Capitalia bonds are traded on the NASDAQ Baltic bond market. Its listed bond issue of EUR 3 million is complemented by other closed-issue bond emissions. AS Capitalia, UAB Capitalia Finance provides a guarantee for Capitalia Finance OU and AS Capitalia, Capitalia Finance OU provides a guarantee for UAB Capitalia Finance to secure the buyback execution for loans offered to Mintos investors.

Presentation

Presentation

Last Updated: 10.06.2019

Financials

Financials

Last Updated: 20.11.2020

Loan Agreement

Loan Agreement

Last Updated: 17.08.2017

Risk Categories

Here you can see all of the Capitalia risk categories on the Mintos marketplace
Risk category Interest rate with Buyback obligation Interest rate without Buyback obligation Est. annual bad debt rate
A+ 10.0%-11.0% 10.0%-11.0% 0.5%
A 11.0%-12.5% 11.0%-12.5% 1.2%
B 12.0%-13.5% 12.0%-13.5% 2.2%
C 13.0%-14.5% 13.0%-14.5% 3.6%
D 13.5%-15.0% 13.5%-15.0% 4.1%
E 14.5%-18.0% 14.5%-18.0% 5.5%
E- 15.0%-19.0% 15.0%-19.0% 8.0%