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Scarperia e San Piero, Italië
Created in 1991, Mondo Verde Casa e Giardino is active in the production and commercialization of chemicals products. The company, managed by Bernardo Banci, has 19 employees and is based in Florence (Italy).
The company’s main activities are:
The company works with 2 000 customers including small retailers and do-it-yoursef hypermarkets.
In July 2017 the Company built a laboratory authorized by the Italian Health Department in order to work semi-finished products.
The company wishes to borrow 300.000 € over 48 months to finance a new production and testing line for a new active ingredient. This project will be realised by the end of the year.
This project is not covered by a guarantee.
Like all projects presented to private lenders on Lendix, this one is co-financed with institutional investors, qualified investors, and the management of Lendix, subscribers of the Lendix Fund.
With a turnover of 7 398 214 € in 2016 and an experienced team, the company has a good track record combined with a two-digits operating margin.
The forecast is based on the performance of 2016 taking into account 2017 draft account.
The borrower has a correct repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,06 and a good financial structure, with a forecast net debt / ebitda ratio of 4,79 and a net debt / shareholder equity of 2,25% taking into account shareholder loan blocked over the period of lendix loan.
The analysis of the project leads to a credit rating of C and a 7,50% annual interest rate.
Points of vigilence:
*The multiple of FCCR at 1,06 means that the company has a safety margin of 6 % relative to its ability to repay its credit maturities.
The expert opinion is given as an indication on the basis of the elements provided by the project holder and information from our databases (ModeFinance, Crif, Cerved). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.