© 2021  |  DTB group

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DTB group specialty - fundraising for individuals and

legal entities,  searching for the most favorable loan terms and conditions, dealing with refinancing issues, working in cooperation with banks to restructure problematic loans, providing legal support, as well as giving advice on financial and

legal questions.

The founders and owners of DTB group are managing the company since its foundation.

 

Completing the main stages of growth and development together with the Latvian market, having overcome several financial crises in the country without financial and reputational losses, the team of DTB group specialists has accumulated considerable experience in various segments of the financial industry.

 

As the result of this experience DTB goup is competent to provide its customers efficient, fast and qualitative solutions. Each client is guaranteed to receive an individual approach according to his personal requirements. Customers are the priority of our business activities.

 

For many years DTB group follows a conservative approach to lending, considering stability and predictability to be the key factors in its decision-making. Financial stability and positive dynamics of development, as well as the reliability and solvency of the company, confirms the effectiveness of the chosen strategy.

 

The commitment of DTB group is to assist the clients to improve their financial situation in the face of destabilization of the world economy and actively support them, so that they can manage the rising tide of landslide circumstances at the present time of fundamental collapse of market mechanisms.

 

DTB group always helps to borrow responsibly, so that a client is confident in the correctness of his choice. It is also very important for us that the client knows how to act in case there are difficulties with the next payment.

FINANCIAL SERVICES

The main task of DTB group is to obtain and organize financing for its client or to arrange other financial transactions under the most favorable and appropriate for client terms and conditions.

 

Our work is to search and select optimal lending terms and conditions for the future borrower, to choose an appropriate bank or other financial institution, to assist in collecting a package of documents for credit committee, to provide a complete list of consulting services to its clients to obtain a loan, overdraft, open a credit line, refinance an existing loan, to assist with capital markets and give advise in operations with income securities, to help with the effective placement of temporary free funds, to open bank accounts for individuals and legal entities, to organize the acquisition of payment and credit cards of various international systems and to provide competent help with any other kind of services of financial nature.

 

DTB goup cooperates with most banks and financial institutions, so that our experts know the nuances of working with a particular financial institution. We accompany the client throughout the work: from the moment of the signing of the contract to the acquisition of funds from the bank. You can always get professional advice and any other kind of competent assistance.

  • Mortgage loan

     

    /   real estate purchasing

    /   obtaining the loan by pledging the property already owned

    /   improving, repairing or constructing of real estate

    /   making big purchases

    /   paying for studies, traveling

    /   real estate purchasing to get the permanent residence

     

    AMOUNT:   up to 85% of the market value of real estate

    RATE:   from 2,5% per annum in case of bank lending

    from 9% per annum in case of nonbank financing

    TERM:   from 6 months to 30 years

    Collateral:   mortgage

    DOCUMENTS:   Land Register confirmation

    passport

    maintenance bill for the previous month

    VID confirmation

    VSAA confirmation

    account turnover for the last 6 months

    statement of employment

    assessment of collateral

  • Transport financing

     

    /   transport purchasing, including vessels, aircraft and rolling stock

    /   obtaining the loan by pledging the transport already owned

    /   development and optimization of existing business

    /   refinancing of loan obligations

     

    AMOUNT:   up to 90% of the agreed cost of the pledge

    RATE:   from 3,5% per annum in case of bank lending

    from 4% per month in case of nonbank financing

    TERM:   from 6 to 84 month

    Collateral:   transport

    DOCUMENTS:   passport

    VID confirmation

    VSAA confirmation

    account turnover for the last 6 months

    assessment of the collateral

     

     

  • Overdraft

     

    /   hedging unforeseen cash shortages

    /   increasing the volume of purchases

    /   gaining access to funds at any time

    /   expanding the working assets

    /   financing before the next payment to the account

    /   implementation of the planned transactions in time

     

    AMOUNT:   30% of the month turnover of the client’s account

    RATE:   from 12% p.a. for the provided financing

    2% p.a. for reservation of the unused part

    TERM:   from 3 to 12 month

    Collateral:   financial pledge of incoming payments to the account

    personal and corporate guarantees

    DOCUMENTS:   passport

    account turnover for the last 12 months

    description of the structure of economic activity

  • Credit line

     

    /   expansion of the turnover

    /   cash flow improvement

    /   making investments in the fixed assets of a company

    /   gaining more attractive terms of payment for goods

    /   buying the goods payable in advance

    /   ensuring the proper level of assortment

    /   maintaining the necessary volume of trade inventory

    /   getting the opportunity to use working capital before the sale of goods

    /   increasing the purchasing power

    /   cooperation with suppliers without delay of payment

    /   issuing the letters of credit and guarantees

     

    AMOUNT:   up to 80% of the agreed cost of the pledge

    RATE:   from 7% p.a.

    TERM:   up to 2 years with an option to renew

    COLLATERAL:   residential or commercial real estate

    shares and assets of companies

    personal and corporate guarantees

    equipment

    trade inventory

    accounts receivable

    DOCUMENTS:   passport of the head or authorized person of the enterprise

    registration certificate of the company

    articles of enterprise

    annual reports for 2 previous years or from the moment of establishment

    balance sheet for the operational reporting period

    decryption of the key items of the balance

    profit and loss statement for the operational reporting period

    assessment of the collateral

    confirmation of the csh flow, sufficient to pay the interest and principal

  • Factoring

     

    /   financing of the supplies agreed upon the delay of payment

    /   increasing the turnover of the enterprise

    /   optimization of cash flow of the company

    /   increasing the competitive performance

    /   improving the payment discipline of customers

    /   extension of sales market

    /   reducing the cost of account administration

    /   protection against the risk of customers’ insolvency

    /   financing does not require additional collateral

     

    AMOUNT:   up to 90% of the right of claim value

    RATE:   from 3% p.a.

    TERM:   up to 120 days

    COLLATERAL:   right of claim for goods delivered to the buyer

    DOCUMENTS:   passport of the head or authorized person of the enterprise

    registration certificate of the company

    articles of enterprise

    annual reports for the previous year

    balance sheet for the operational reporting period

    decryption of the key items of the balance

    profit and loss statement for the operational reporting period

    contract, according to which invoices have been issued to customers

  • Refinancing

     

    /   interest rate reduction

    /   increasing the amount of financing

    /   extension of financing term

    /   reduction of monthly payment

    /   replacing the multiple loans in different banks with single one

    /   changing the currency of the loan

     

    AMOUNT:   up to 85% of the market value of real estate

    RATE:   from 2,5% p.a. in case of bank lending

    from 9% p.a. in case of nonbank financing

    TERM:   from 6 months to 30 years

    COLLATERAL:   mortgage

    DOCUMENTS:   passport of the owner

    Land register confirmation

    technical inventory and land border plan

    maintenance bill for the previous month

    VID confirmation

    VSAA confirmation

    account turnover for the last 6 months

    statement of employment

    assessment of collateral

  • Attracting investment

     

    /   increasing the market value of the company

    /   extension of sales markets and adding economic activity directions

    /   acquiring the possibility of development in areas that were previously inaccessible

    /   forming the desired image of the company and confirmation of reputation

    /   obtaining a permanent source of investment on demand

    /   getting the ability to use the resources of the investor, including technology and brands

    /   improving of organizational and financial structure

    /   repayment of financial obligations of the company to creditors

    /   raising funds for the purchase of existing business for further development

    /   preparation of business or share in the company for sale

    /   gaining access to a broad network of business contacts

     

    Work on search and attraction of investments harder than to attract the debt financing due to the high risk exposure of investments, because no one can promise the return on investment. Valuation of business requires additional verification by the investor - the procedure of Due Diligence. Therefore, while attracting investors DTB Consulting:

     

    /   searches for investors and attracts investment

    /   helps to accomplish Due Diligence procedure

    /   organizes an independent evaluation of the company

    /   negotiates the price of the transaction

    /   creates and manages the documentation for the sale-purchase of company’s shares

    /   develops and implements the scheme of the transaction

    /   supervises further development in accordance with the agreements

    /   represents the interests of the seller in the sale of the business, searches for the buyer

    /   represents the interests of the buyer in the purchase of the target company, searches for companies to acquire

    /   searches for a strategic investor on various stages of development

    /   implements transactions on project financing, including financing arrangements for the project

    /   attracts investors to finance the purchase of the company

  • Real estate acquisition

     

    /   search and select the residential and commercial real estate

    /   legal analysis of the documentation

    /   negotiation and preparation of the transaction

    /   contracts creation

    /   search for the most favorable financing of the purchase

    /   registration of the transaction and registration of property rights

    /   service and maintenance of the real estate

    /   renting the real estate

    /   property administration

    /   preparation and submission of documents for applying for a residence permit

  • Purchase of the right to claim

     

    /   purchase of the real estate through the purchase of the right to claim

    /   solving the situation with overdue loans in the pretrial order

    /   negotiating with the financial institution

    /   conducting the legal disputes with a financial institution

    /   delaying the time of foreclosure for up to 3-5 years

    /   reducing the cost of the purchase of right to claim up to 50% of the amount due

    /   negotiations with tenants

    /   attracting financing

    /   negotiating with bailiffs

     

     

    There is the ability to effectively address a number of emerging issues for banking institutions as well:

     

    /   reduce the reserves on past due debt

    /   return most of the past due debt in the pretrial order

    /   realize the real estate without the financial and time costs on paperwork, foreclosure and holding of an auction

  • Consulting on financial matters

     

    /   acquiring a loan, overdraft

    /   open a credit line

    /   operations with income securities

    /   refinance of the existing loan

    /   effective placement of temporary free funds

    /   pen bank accounts for individuals and legal entities

    /   acquisition of payment and credit cards of various international systems

    /   real estate acquisition

    /   purchase of the right to claim

    /   attracting investment

    /   collecting documents for obtaining the loan

SEND A REQUEST

LEGAL SERVICES

Qualified specialists of DTB group provide legal services and support not only for its own transactions on the acquisition of the financing for its clients and the sale-purchase of real estate, but also are ready to provide legal support of the day-to-day operations of existing and newly established companies, as well as provide a full range of legal services in the field of commercial law, during the procedure of enterprise restructuring, insolvency, legal protection, provide legal assistance on the property rights, labor rights, create all kinds of contracts, assist with applying for a residence permit and provide advice on all other legal matters.

SEND A REQUEST

RATE

OF FINANCING

FROM 2,5% PER ANNUM

85%

OF REQUESTS

GET

POSITIVE solution

Payment for

the services only after the

positive result

100% financial transactions are supported by legal department

OUR PARTNERS

CONTACTS

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+371 29 106 000

info@dtb.lv

Nēģu iela 48, Carnikava, Latvia, LV-2163