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presented by October Italy



36 months


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Pogno, Italy



Marketing surveys & consulting

Presentation of the company

Created in 2010, Equienergia S.r.l. is active in the energy consulting sector. The company, managed by Luca Sottini, has 1 direct and 6 independent employees and is based in Pogno (Italy).

The company’s main activities are:

  • Energy efficiency consulting
  • Sale of energy and gas contracts
  • Energy micro co-generation installations and management

The company works with both small to medium businesses and private households.

Project Description

The company requests a loan of 35 000 € over 36 months to finance the full-time hiring of an employee that has been already working for the company as intern and the move to new office premises. This project will be realized in the next few months.

This project is a Flexible Bridge Loan, an amortizable loan with a standard commitment for the first 9 months and the possibility of early repayment at no cost for the remainder of the loan term, even in the event of refinancing by other financial institutions.

This project is not covered by the Italian state guarantee.

The amount offered on the platform is limited to 17 150 €, which is in line with the regulatory limits.

Like all projects presented to private lenders on October, it is co-financed with institutional investors, sophisticated investors and the management of October, subscribers to the October Fund.

Analyst’s Opinion

Avec un chiffre d’affaires de 267 417 € en 2017 et une équipe expérimentée, l’entreprise dispose d’un bon track record combiné à une marge opérationnelle à deux chiffres.

L’augmentation de l’activité est principalement liée aux ventes de contrats d’électricité et de gaz, démarrées en 2016.

L’emprunteur dispose d’une bonne capacité de remboursement avec un FCCR (Fixed Charge Cover Ratio *) prévisionnel à 1,42 et une excellente structure financière, avec un ratio dette nette / ebitda prévu de 0,77 et une dette nette / capitaux propres de 57%.

L’analyse du projet conduit à une notation C et à un taux d’intérêt annuel de 6,7 %.

*The multiple of FCCR at 1,42 means that the company has a safety margin of 42% 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.

Points Forts: 

  • Bonne performance historique basée sur une clientèle diversifiée;
  • Bonne capacité de remboursement avec un FCCR prévisionnel de 1,42;
  • Niche marché avec une faible concurrence.

Points de prudence: 

  • Petite entreprise fortement dépendante des entrepreneurs.