Loan to the project
- Investment from €100,000
- 6% annual interest
- First interest payment after 6 months
- Term: 24–48 months
- Principal repaid during the final 6 months
- Loan secured by a real-estate pledge
Investment
Transparent numbers. Clear investor protections.
The project buildings are owned outright by UAB “Aromika”. Investors are offered two options starting from €100,000 – a loan secured by a real-estate pledge, or an equity investment in the company.
Revenue model
beds 510
× occupancy (434) 85%
× per resident / month €2,000
annual revenue ~€10.4m
The 2026 market rate is €1,800/month; from operations start (2027) the forecast rate is €2,000/month. Revenue is backed by state-funded care.
Cost structure
| Staff the largest cost item – the care and service team | €3.80m |
| Food 10% of revenue | €1.04m |
| Utilities 7% of revenue | €0.73m |
| Maintenance & repairs 4% of revenue | €0.42m |
| Other administrative 4% of revenue | €0.42m |
Total OPEX ~€6.4m EBITDA ~€4.0m (38%)
Cash flow dynamics
Overall project financing
State financial institution
Scenario A – ILTE
- Loan
- €3.0m (€2.4m repayable)
- Interest rate
- 2.5%
- Annual payments
- ~€315k
- Cash flow
- ~€3.7m / yr
- Repayment
- after 3 years; share pledge
Alternative
Scenario B – commercial bank
- Loan
- €3.0m
- Interest rate
- 7–8%
- Years 1–2
- interest only (~€225k)
- From year 3
- ~€450–500k / yr
- Cash flow
- €3.8m → €3.5m / yr
- Repayment
- after 5 years; pledge
Project financing combines several sources: an institutional loan (ILTE or a bank) and private investor funds. Private investors are offered 6% annual interest – more than the cost of institutional financing.
Investor protection
Security is the foundation of this project, not an afterthought.
Real-estate pledge
Investor loans are secured by a pledge over the project’s real estate – three buildings, 6,000 m² in total.
Share pledge
In the ILTE scenario the company’s shares are additionally pledged – a second line of protection.
Owned property
The project buildings are owned outright by UAB “Aromika”. No rent risk, no dependence on third parties.
State-funded revenue
Care services are largely financed by the state and municipalities – revenue is resilient to economic cycles.
Coordinated with ILTE
The financing structure is being coordinated with ILTE, Lithuania’s national development institution.
Phased rollout
The project is implemented building by building, limiting execution risk.
Exit strategy
After ~5 years of operations the project can be sold to a strategic or financial investor. Market valuation benchmark: 8–10× EBITDA. The sector is consolidating, and modern large-scale facilities are rare and sought-after.
8–10× EBITDA
Frequently asked investor questions
What is the minimum investment?
The minimum investment is €100,000. It applies to both options: the loan and the equity investment.
What are the ways to invest?
Two options: a loan to the project secured by a real-estate pledge, or an equity investment making you a shareholder. Terms are discussed individually.
What are the loan terms?
6% annual interest, first interest payment after 6 months, term of 24–48 months, principal repaid during the final 6 months.
How is the loan secured?
Loans are secured by a pledge over the project’s real estate – three buildings totalling 6,000 m², owned by UAB “Aromika”.
What does an equity investor receive?
The investor becomes a shareholder of the company. The project valuation is €4 million, so a €100,000 investment equals a 2.5% shareholding.
When are operations planned to start?
The plan is to complete the first-stage renovation within 8 months of receiving financing and, once the required permits and the social care licence are obtained, to start welcoming the first residents.
Who owns the real estate?
All project buildings are owned outright by UAB “Aromika”. There is no rent risk.
How is revenue calculated?
510 beds × 85% planned occupancy × a €2,000/month rate ≈ €10.4m annual revenue. Further growth is based on rate-growth and occupancy assumptions.
How is the staffing need determined?
The staffing structure and headcount are shaped by the actual number of residents, their individual needs and the applicable staffing time norms for social care providers.
What are the main investment risks?
As in any project – licensing and regulatory, construction, occupancy and operational risks. Financial projections are forecasts and do not guarantee results. Consult independent advisers before investing.
Want all the numbers?
Download the project deck or get in touch – we will answer every question.
The information on this website is of a general informational nature and does not constitute a public offering of securities, investment advice or a recommendation. Financial projections are forecasts based on assumptions and do not guarantee future results. Consult independent financial and legal advisers before making any investment decision.