Investment opportunity

  • High-yielding investment in working capital of fashion wholesaling company.
  • Secured debt, 17,3% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

Company Spectr SP.Z.O.O. is a large supplier of branded clothing and footwear to the markets of Western and Eastern Europe.

The territorial location of the company's head office and warehouse complex with a total area of 2000 m2 is in Poland, in the very center of Europe, and it has become our clear advantage, providing the easiest access to the world's leading manufacturers of trendy clothing, demonstrated on the catwalks of Paris, Milan, London, and Berlin.


Within short terms, we have concluded direct long-term contracts with leading representatives of the industry. Spectr SP.Z.O.O. is an official distributor of numerous famous brands, such as FENDI, GUCCI, HUGO BOSS, EMPORIO ARMANI, TOMMY HILFIGER. These brands do not need to be introduced, so we will only note the fact that we compile our collections in such a way as to satisfy the needs of all customer categories.

As the must-have in the catalog of Spectr SP.Z.O.O., there are models of basic wardrobe, distinguished by their qualitative cut and excellent quality of the processing of seams. Supporting the global trend of reducing the volume of clothes used in the interests of preserving the environment, we include capsule collections in our assortment, made up of a complete set of things similar in style and purpose.

Considering the individual needs and preferences of the end customers, we make sure that our partners - retailers and owners of small specialized clothing and footwear stores - can provide their visitors with a wide selection of models of classic cut and “oversize” category, strict and impressive models for work and leisure, clothes in lingerie and pseudo-sports style, etc.

Our experienced buyers who help not only by advising on topics of the latest fashion trends, but also assist in solving purely economic tasks — determining the volume of purchases, the ratio of different types of clothes purchased, choosing size ranges, etc., understanding the variety of goods to be purchased.

Over the years, the company Spectr SP.Z.O.O. has established itself as a responsible supplier of clothing and footwear from leading brands. At the moment, the demand for our products has exceeded supply, so the main goal of Spectr SP.Z.O.O. at the current stage of its development is to expand the assortment and increase the stock, which will help us fully satisfy the growing demand.

Spectr SP.Z.O.O. is looking to attract an amount of EUR 850,000 in order to increase its working capital and further expand company’s operations.

Trends and prospects of the fashion market

An analysis of recent trends in the clothing and footwear market indicates a change in the vector of consumer demand, expressed in a turn from East to West again. The surge of interest in frankly cheap and at first glance attractive in design products manufactured by factories in China and its neighboring countries, gave way to disappointment.

The gap between expectation and reality turned out to be too large. Moreover, this applies not only to retail customers who purchase original models on sites such as Aliexpress, but also to wholesale buyers-entrepreneurs who counted on a successful start and rapid business growth.

The two main problems in cooperation with suppliers from Asia are the mismatch in the size of the labels (sometimes very significant) and the primitiveness of the patterns, hidden as a promo photo using Photoshop, but revealed upon closer examination of real models. Attempts to quickly solve both problems were unsuccessful - and a return to direct cooperation with the original European brands was predetermined.


Another bright trend in the fashion market of the last decade, which is increasingly growing every year, is the emergence of a new profession. Buyers - professional buyers - a few years ago, for the most part, were individual consultants who helped to make shopping for those who first arrived in Italy or Paris and had difficulty orienting themselves both in the area and in abundance of fashionable offers.

Today we can confidently say that the market for buyer services has developed. Experienced buyers act in the legal field. Their work is highly paid, and the upward trend in the income of a competent purchase consultant continues.

Taking into account the mentioned above, and also taking into account the situation in the company Spectr SP.Z.O.O., it is highly likely to speak of a quick return on investment in its development and significant profit from investments.

Sample repayment schedule

Envestio participant’s investment - EUR 1 000.00

  • 05.09.2019 - EUR 14.69
  • 05.10.2019 - EUR 14.22
  • 05.11.2019 - EUR 14.69
  • 05.12.2019 - EUR 14.22
  • 05.01.2020 - EUR 14.69
  • 05.02.2020 - EUR 14.69
  • 05.03.2020 - EUR 13.75
  • 05.04.2020 - EUR 14.69
  • 05.05.2020 - EUR 14.22
  • 05.06.2020 - EUR 14.69
  • 05.07.2020 - EUR 1014.22

Total expected return: EUR 1 158.77

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Informationen zum Projekt

Kredit IDEN018112
KreditnehmerSpectr Sp. z o.o. (Poland), Reg. Nr. 7010706260
Finanzierungsziel€ 850 000
Zweck des DarlehensIncrease of a working capital of a fashion wholesaling company
Darlehenszeit11 Monate
Zinsrate17,3% jährlich
Rückzahlung des DarlehensIn full at the end of the Loan Period
Kapitalrückkauf möglichYes, 5% penalty rate
Zahlung von ZinszahlungenMonthly, on a specific date
Typ der FinanzierungSecured debt
Garantie vom Eigentümer des ProjektsPersonal guarantee + mixed type commercial pledge in favor of Envestio Collateral Agent


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