Meet Nordstreet, a leading crowdfunding platform from Lithuania

Nordstreet is a crowdfunding platform that radically changes real estate investment opportunities. From now on, RE investments are no longer reserved for venture capital firms or very rich entities: everyone has an opportunity to choose an RE project and invest an amount of their choice (from EUR 100). Only thoroughly verified and analysed real estate projects are presented on the platform. Moreover, NordStreet gives investors all information on the projects, their risks, guarantees, etc.

For real estate developers, Nordstreet presents a reliable opportunity to secure investment for their real estate project by means of crowdfunding. The requested investment is unlimited (given the LTV indicator does not exceed 75%), and the project may run for up to 36 months. One of the key aspects of a business loan for real estate developers is that during the project, they pay only interest, and are expected to repay the full amount only at maturity, i.e. after the successful completion of project development.

 UAB Nordstreet is included in the Public List of Operators of Concentrated Financing Platforms administered by the Bank of Lithuania. Bank of Lithuania Consumer and Financial Market Participant Dispute Resolution Procedure.

Why invest via ,,NordStreet”?

If you are looking to invest (even if it is only a small amount), the ,,NordStreet”  platform offers one of the most promising investment areas – real estate. Main reasons to invest via ,,NordStreet” :

  • Here you will find only thoroughly vetted projects assessed by our RE experts.
  • You can start investing from EUR 100.
  • Borrowers guarantee repayment of the project investments by pledge of property, which makes investment risk lower than normal.
  • The average return on investment can be as high as 11 percent.

Nordstreet posts: P2P lending , Loans , Advantages of P2P lending , How to earn money from P2P lending , Business loans , Investing Guide , P2P investing How to save money for investing, P2P loans, Investment types,

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How to evaluate real estate projects

Risk Groups of Investment Projects or how to evaluate real estate projects?

Nordstreet is assessing each Project Owner, guarantors or surers as well as enforcement measures (if any) individually. Creditworthiness assessment will be carried out by experts.

When carrying out creditworthiness assessment, Nordstreet is seeking to assess the probability of losses of the financier by means of the focused investment platform. The company has divided the risk of Project Owners’ creditworthiness to low (A), medium (B), higher (C) and high (D). Each indicator has a respective level of importance determined and the following six-factor equation has been derived:

Z = 3.3 × K1 + 1 × K2 + 0.6 × K3 + 1.4 × K4 + 1.2 × K5 + K6, where:

  • K1 stands for profitability of assets (net profit / all assets);
  • K2 stands for return on assets (sales revenue / all assets);
  • K3stands for equity coverage ratio (equity / short-term liabilities);
  • K4 stands for net profitability of assets (retained earnings / all assets);
  • K5 stands for the proportion of equity in assets (equity / all assets).
  • K6 stands for market information about the sector where the Project Owner is operating (in case of contraction of the sector over the last year by 10% and more, the coefficient amounts to (-0.1) or 0 in another case).

The value calculated according to this formula describes the probability of financier’s losses which is presented as an opinion of the Platform Operator.

The rating scale is provided below.

  • Z value up to 1.8 = Class D, High creditworthiness risk
  • Z value from 1.9 to 2.7 = Class C, Higher creditworthiness risk
  • Z value from 2.8 to 2.9 = Class B, Medium creditworthiness risk
  • Z value more than 3 = Class A, Low creditworthiness risk

The value calculated according to the respective formula describes groups of risk which determine the loan receiver’s creditworthiness rating, which determines the loan receiver’s possibilities of fulfilment of the obligation.

In case there are surers or guarantors, their creditworthiness is assessed in the same way as that of Project Owners. Provided that the risk of a Project Owner is medium, and the liabilities of the Project Owner are sured or guaranteed by a third party whose risk is low, the final creditworthiness risk of the Project Owner shall be assessed as low.

In addition, Nordstreet specifies the value of the pledged immovable property to financiers and it assesses the decreased probability of financier’s losses. If the value of the pledged property is higher than 95% of the amount claimed for financing, then the creditworthiness risk of the Project Owner is considered low; if it is above 90% but no more than 95%, then the creditworthiness risk of the Project Owner is considered medium; if it is above 70% but no more than 90%, then the creditworthiness risk of the Project Owner is considered higher; if it is no more than 70%, then the creditworthiness risk of the Project Owner is considered high. If the risk of the Project Owner is medium following the assessment of the Project Owner, yet the risk of the Project Owner is low according to the property pledged, then the final risk of the Project Owner is assessed as low.