For this project Bulkestate offers the following special incentive pay (cash-back) for investors by sharing part of its fee received from the client:
Investors making EUR 10,000 or larger investments will receive a 1% incentive payment from the invested amount.
If you invest for the first time at Bulkestate don’t forget that you can get 5 EUR cashback bonus after the first investment. You can register here for the new offer.
Krišjāņa Valdemāra str. 145 k-1 – 55, Riga, Latvia
The project is raising € 100 000.00. 12% annual returns.
Loan term 24 months. LTV (loan-to-value) ratio is 25% !!!!!
Originator: NORDSTREET
If you invest for the first time at EVOEstate don’t forget that you can get 0.5% cashback for 6 months after the first investment. You can register here for the new offer.
The group of restaurant business operator “A2 Group” with 20 years of expertise in restaurant business and catering is expanding The Catch restaurant concept in Europe.
Loan:
Target: EUR 100 000,00.
Min. target: EUR 50 000,00.
Loan term: 18 months.
Interest rate: 18% per annum.
Interest payments: paid monthly
Loan repayment: In full at the end of the Loan Term.
The aim of the Project is to fine-tune and foster the currently undergoing works in the development stage of the land plot so that an actual building permit is issued by the municipality.
Loan:
Target: EUR 60 000,00.
Loan term: 9 months.
Interest rate: 12% per annum.
Interest payments: paid monthly
Loan repayment: In full at the end of the Loan Term.
Collateral:
Prohibition (in part or as a whole) to alienate, assign, transfer; charge, mortgage, lien; divide or join to another land plot, without written permission of the Collateral Agent. This prohibition is being corroborated (enrolled) in the Land Book as a special prohibitory note legally binding to all third parties (“aizlieguma atzīme” – in Latvian).
The property is a 2200 m2 large land plot on Lūku Street, in Mārupe district. The land plot is intended for private house construction. Mārupe is one of the closest private housing areas to Riga.
In Envestio portfolio you will find some projects wich are located in Baltic States. Is it safe to invest in these projects? First of all it depends on economic growth and economic growth forecasts in these countries.
What are forecasts of economic development of the Baltic States?
Estonia, Latvia and Lithuania as open economies gain profit from rapid cyclic acceleration and growth of world trade. Based on the IMF World Economy report, it is expected that annual growth both in 2018 and in 2019 will achieve record of seven years or 3.9%. Global recovery currently happens much more steadily and has solidified all over the world, besides global entrepreneurship confidence level is record high, which respectively affects further rise of the internal demand an d improves the labour market.
Only geopolitical tension and risk of political uncertainty are two factors that may cause potentially negative effect on total positive external demand of the Baltic States. Despite strong prospective of growth, Europe is directly affected by Brexit. However, direct influence of the United Kingdom’s trade links on the Baltic States still remains limited. Speaking about risks, conflicts about trade can also decrease record high level of economic optimism and global trade.
Unusually powerful rise is forecasted for the Baltic States, providing that the growth rate will only normalize starting from 2019.
On the favourable external background, in the last year Estonia and Latvia achieved growth rate of over 4% (4.9 % and 4.5 % compared to the previous year, respectively), and Lithuania showed stable annual growth of GDP – 3.8 %. Similarly to other countries of the Eurozone, cyclic recovery has gained speed, and it is forecasted that the biggest contribution to the growth of countries in the next year will be provided by the domestic demand.
Eurozone annual growth in 2018 will be 2.3%, it supports the growth rate in the Baltic States that will be above the maintained long-term rate, however it will gradually slow down due to basic effects and exhausting of yet unused reserves of resources. It is expected that export growth from the initial powerful acceleration will come to the normal level and will include both products and services, providing that increased growth will take place exactly in sector of services. Growth restrictions will first be reflected in the labour market, while lack of qualified labour grows.
Economic bases of the Baltic States are still stable, finances of the countries are almost balanced and public debt levels are the lowest in the whole Eurozone. Estonian, Latvian and Lithuanian main future challenges mostly are of structural nature and are related to challenges in acceleration of productivity and growth of added value.
Baltic States will still be ones of the most rapidly growing Eurozone countries, with shrinking significant income difference compared to the European trade partners.
In this long-term adventure we must avoid temptations in respect of excessive domestic stimuli. Quite the other way, long-term growth is based upon complex choices, for instance, in the smart specialization, development of innovations and technologies, in order to promote export and profit. Increase of research and development (R&D) expenses in the private sector, strengthening of the ecosystem of small and medium companies and new companies and especially investments in human capital are examples of modern solutions that must be further used, in order to gain maximum benefit from the next decade’s global technological and digital bull race. Revenue of sectors of globalized technologies will still exceed forecasts.
Today we can say with confidence that investments in real estates of the Baltic region are the most profitable and efficient way to not only keep, but also multiply cash assets.
Situation in Europe also slowly improves. Stress caused by the refugee crisis decreases, besides economic factors of the European countries also slowly improve. Since main investors in the Baltic States come from the EU countries, their opinion of further growth prospective has increased and optimism slowly grows. In truth the United Kingdom’s departure from the EU is still ahead. However, it will probably cause investors to look for new places to invest money and create new companies in the EU. And one of the most prospective opportunities is the Baltic region.
Latvia still has many unused opportunities to invest in housing – Luminor bank has expressed its opinion at the conference “How will real estate market develop in Latvia?”.
Approximately 85% of homes in Latvia are not encumbered with credits, this means that opportunities to borrow for investments in housing are wide. Compare – for instance, in the Netherlands all homes have mortgage liabilities. In the Eurozone average proportion of mortgage loans to the gross domestic product is 40%, and in the Baltic States – just 16%. In turn, ability of the Baltic residents to purchase homes is assessed as good.
Housing market in Estonia and Lithuania is currently close to maturity, while in Latvia activity in the housing market is still quite slack. In turn, crediting cycle is relatively new and will only gain speed.
The whole Baltic Sea region currently sees rapid growth, and from the point of view economics this is a good time to invest in the Baltic region’s projects and gain from it guaranteed profit.
Find profitable investment projects in Baltics with Envestio
If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.
Started as a private investment fund, now Envestio is a modern crowdinvesting platform, which offers new ways of making investments in traditional and innovative investment projects. Envestio offers investors premium level investment opportunities, which were carefully chosen from many applications and thoroughly studied by Envestio analytical team. Entrepreneurs from different industries can apply for structured financing at Envestio platform and quickly receive it from the pool of registered private investors. Envestio takes care of the transparent full-cycled fundraising process, and ensures honest and unbiased information exchange between all participants of every investment project.
In the Age of Internet crowdfunding concept swiftly became popular as an alternative way of finding necessary financing for different projects. Unlike the traditional bank financing, crowdfunding is highly decentralized concept, where many investors are participating in each project with investments of small or moderate size. Crowdfunding is being used to finance project of different size and nature, such as commercial ventures, cultural and charity events, scientific research, development of new products, etc. In many cases, people, contributing to a crowdfunding project are not expecting a monetary return, especially in case of funding cultural or charity project, or the return is clearly symbolic, like “thank you” booklet or CD.
Since its establishment in 2014, Envestio has been investing funds in three industries: real estate, energy, cryptomining. A new step into other business area was made in the end of 2017. As of April 28, 2018 an innovative business of cryptocurrency mining constitutes the biggest portion of Envestio’s historical portfolio with 42% of total funds invested, followed by energy sector with 27%, and real estate projects with 27%. 3% were invested in other industries.
As of April 30, 2018 Envestio has successfully conducted and exited 20 investment projects, by fully receiving back principal and interest from our cooperation partners. The total sum of provided capital exceeds EUR 6,3M, while accumulated income from interest exceeds EUR 1,7M level.
What type of investments can be made?
– Crowdinvesting
Crowdinvesting is somewhat more specific than ordinary crowdfunding as it is related to funding business ventures, newly established or already existing companies with a straightforward purpose of earning interest on invested funds. Certain number of investors join a pool to complete the announced need of a project or company for specific type of funding. Profits or revenues are distributed to them according to previously approved schedule and proportionally to the share invested by each investor. Most crowdinvesting platforms allow their participants to start investing from very fairly small amounts, such as 50 or 100 EUR. Ordinary people received a great alternative to traditional bank deposits, which are noticeably less flexible and profitable than investments made through crowdfunding platforms. – Bridge investing
Bridge financing is an interim financing option used by companies and other entities to solidify their short-term position until a long-term financing option can be arranged. Bridge financing normally comes from an investment bank or venture capital firm in the form of a loan or equity investment. This type of financing only occurs when a company’s runway is shorter than its future financing options, and it needs to remain solvent in order to obtain such long-term financing.
Who is eligible to invest?
All adults may become investors at Envestio. With the minimum investment amount of only 100 EUR, the idea behind Envestio is that everyone should be able to participate in different innovative and traditional investment projects.
It is free to register at Envestio and start investing using the platform.
Investors do not pay any fees for their investment at Envestio either. Therefore, the entire payment is used for the investment with no deductions.
In some specific cases there are one-off fees, associated with international bank transfers.
In what currencies can investments be made?
Investment accounts of Envestioparticipants are maintained in EUR, and money payouts to Envestio participants are done in EUR as well. Currently there is no blockchain/token technology used behind Envestio operations. Envestio does not convert invested funds into any kind of crypto-currency.
At the moment, Envestio is not accepting credit cards as a mean of adding funds to Envestio investment account. This possibility is still being analyzed in order to comply with AML legislation and be economically viable for Envestio business. Also, it is not possible to add funds by Western Union, crypto-currency, or any kind of electronic money transfer. Envestio portal accepts only safe bank transfers, done by Envestio participants from their private bank accounts.
Investing
You do not need much capital to invest successfully, you can also create your own diversified investment portfolio at Envestio step by step. Indeed, you can start with small investments from 100 EUR in single project and expand your portfolio over time, you can reinvest profits from successful investments in new projects, etc. As a result, your portfolio will become broadly diversified over time.
Investing at Envestio is straightforward: You choose one of the premium investment opportunities in which you want to invest and decide how much money to invest. The entire investment process takes place online and requires just a few minutes of your time. In return for your investment, you will receive fixed interest payments according to established schedule. The minimum investment is just 100 EUR.
Envestio has already pre-analysed all investment opportunities offered on the platform. In fact, only very small % of companies applying for a financing round on Envestio are accepted and presented further to Envestio participants.
Investments done through Envestio are not just interesting and high-profitable; those are also a way of supporting entrepreneurship and innovation in the region. Many company founders, discoverers, and visionaries often had troubles to find people among traditional investors, who shared their vision and recognized opportunities and potential of their business ideas.
Investors at Envestio are different from that. They share the ideas and see in reality that small things can eventually morph in something big and successful. Envestio participants help new ideas and economic progress, they support innovation and creation of jobs, making a positive contribution to society while earning high profits. It is the best example of win-win situation.
Envestio business model includes cooperation with investment project owners in the field of providing bridge financing/temporary equity replacement for their business projects. Funds, gathered via Envestio portal, constitute a certain share of total financing that is attracted to specific project, besides traditional funding from banks etc. Respectively, the weighted average cost of capital (WACC) for these projects is much lower than interest rate, payable to Envestio participants.
Making investments in premium investment projects at Envestio offers great opportunities, but these investments still are risky as any other. In the worst case, the entire investment, including principal and interest amount may be lost. At the same time, Envestio participants are under no obligation to continue funding the problematic project.
Envestio participants can minimize the risk by diversifying their investment portfolio. Professional investors often follow this strategy because it causes the risk to be distributed among several investments. In this way, successful investments with high return can balance out other less successful investments.
Envestio currently is offering investment projects with yearly interest rate from 12% up to 22%, depending on length and risk category of the project.
Financing of cryptomining hardware industry is considered most risky investment with the highest return, while real estate industry has the lowest risk category and moderate interest rates.
All interest payments already transferred to the Envestio participant’s investment account according to the project’s schedule remain in possession of the investor. Interest that is accrued, but not yet received, is written-off at the moment of confirming the buyback.
How does the buyback guarantee work?
Envestio buyback guarantee means that any Envestio participant at any moment can sell an investment from his or her investment portfolio back to Envestio and instantly receive invested money back his or her investment account. Since the funds, gathered via Envestio portal, constitute a certain share of total financing that is attracted to specific project, besides traditional funding from banks, Envestio is sufficiently capitalized to execute any buyback immediately.
Cost of performing buyback is calculated and shown to Envestio participant in Envestio personal area.
Please note that in some cases cost of buyback can account to substantial percentage of invested amount.
Upcoming platform improvements and new planned events
– Soon the webpage will be available in 6 languages, including Spanish, Italian, Estonian, and Russian besides already existing German and English
– Auto-invest function will be added within June-July 2018
– Secondary market for investments is going to be introduced after auto-invest is in place
– Mobile app for iOS and Android will appear within 1-1,5 months (July-August 2018)
– Around 10 new investment projects are being prepared for presentation at the platform
