Invest in senior secured bonds and earn a minimum 9.5% annual interest rate
Semi-annual interest payment 10/2030 maturity
Proven capital markets experience that delivers results
- 10+
years of experience in the capital markets
- 10+
successful bond issuances
- 220 000+
retail investors worldwide
- 141.3
million euro paid out to bondholders in interest payments
- IPO
Publicly listed company (2024)
Financial highlights
Net portfolio, EUR mln
278.4
67.2
211.2
320.3
104.8
215.5
371.2
127.5
243.7
343.5
113.7
229.8
375.2
134.2
241.0
2022
2023
2024
6M 2024
6M 2025
Revenue, EUR mln
175.7
189.3
216.0
102.0
117.1
2022
2023
2024
6M 2024
6M 2025
Adjusted EBITDA, EUR mln
65.6
77.5
89.8
43.6
45.3
2022
2023
2024
6M 2024
6M 2025
Total net profit, EUR mln
18.6
24.5
29.6
15.4
15.2
2022
2023
2024
6M 2024
6M 2025
- Vehicle finance
- Consumer finance
Timeline
September 29Start of exchange period for existing bondholders
October 6Books open for new subscriptions
October 8 (14:00 CET)Investor webinar dedicated to bond issuance
October 15End of exchange period for existing bondholders
October 16Announcement of exchange offer results
October 17End of offer period
October 24Settlement and listing of bonds
0 / 0
Offer terms
| Regulated market | Frankfurt Stock Exchange’s Regulated Market and Nasdaq Riga Stock Exchange’s Regulated Market |
| ISIN | XS3167361651 |
| Nominal value | 1 000 EUR |
| Interest rate | 9.5-10.75%
The final interest rate will be set and announced on or around 17 October 2025 and will be at least 9.5%, but may be higher |
| Offer amount | Up to EUR 250 000 000 |
| Exchange offer | 29 September 2025 – 15 October 2025 |
| Public offer | 6 October 2025 – 17 October 2025 |
| Interest payment | Semi-annual |
| Maturity date | October 2030 |
| Prospectus | Link to the document |
| Documents for inspection | Prospectus summary (LV) Prospectus summary (EE) Prospectus summary (LT) Prospectus summary (DE) |
| Conditional call option notice | Link to the document |
| Exchange offer invitation | Link to the document |
Investor's calculator
INVEST
Number of bonds
Annual interest rate1
9.5%
Investment amount (EUR)2
120 000
RECEIVE
Semi-annual interest payment (EUR)
5 700.00
Profit before taxes (EUR)3
57 000.00
Total amount received (EUR)3
177 000.00
1. The final interest rate for the bonds will be determined by the Issuer after the bookbuilding process, based on orders received. During the subscription period, brokers shall collect subscriptions at the minimum interest rate offered to investors, but if the final interest rate is set higher, investors will be entitled to receive the bonds at that higher rate.
2. Investment amount refers to the total amount paid for the bonds purchase. Please note that brokers may charge an additional commission.
3. The assumption is made for the bonds to be held until the maturity date of 24 October 2030.
How can I buy Eleving Group bonds?
- To subscribe to Eleving Group's bond offering, find your bank in the list below and follow the steps.
- Don't wait — some banks may close subscriptions early. Contact your bank's brokerage department to confirm the deadline and learn more.
- If you are not a client of any listed bank, contact Eleving Group for next steps.
- If you have any problems, get in touch with us for help.
Frequently asked questions
What are senior secured bonds?
Can I sell my Eleving Group bonds?
Can I sell/gift the bonds I own to friends, relatives, or anyone else?
How will Eleving Group use the funds raised through the bond issue?
How are taxes applied to income from bonds?
Contacts
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This material is provided for informational purposes only and does not constitute an offer, solicitation, or recommendation to buy or sell securities or other financial instruments, nor does it constitute independent investment advice.