Improvement and training of people for thermal insulation and finishing works

BUSINESS IMPROVEMENT PROJECT: EXSTRA ZORAN KECMAN S.P.

Subject: Request for Financial Assistance / Business Loan

Requested Amount: 20,000 EUR

Applicant: Zoran Kecman, Owner

1. BUSINESS AND OWNER INFORMATION

Business Name: EXSTRA ZORAN KECMAN S.P.

Owner: Zoran Kecman

Date of Establishment: July 2025

Address: Kršlje 144, 79220 Novi Grad, Bosnia and Herzegovina

Phone: +387 65 685 184

Email: extramalter.sp@gmail.com

2. LETTER OF INTENT AND REQUEST

To whom it may concern,

I am formally submitting a request for financial support/loan in the amount of 20,000 EUR for the purpose of upgrading the technical capacity of my business, "EXSTRA ZORAN KECMAN S.P.".

Although the business was officially registered in July 2025, it represents the culmination of my 25-year career in the construction sector. The current demand for my services exceeds my technical capabilities. Due to the lack of my own machinery, I am forced to rent equipment from third parties, which directly reduces profitability and slows down the work process.

Investing in a mini excavator and professional scaffolding would grant me full independence, significantly reduce rental costs, and increase my competitiveness in the market.

3. PROFESSIONAL BIOGRAPHY (25 Years of Experience)

My career in construction began a quarter of a century ago. I have specialized in projects requiring high precision and deep knowledge of building materials. Over the years, I have built a solid reputation as a reliable craftsman who honors deadlines and commitments.

The establishment of my own business in 2025 was a step toward full autonomy. Today, with a clear vision and proven skills, my goal is to equip my business so that I can offer a complete service to clients in the Novi Grad region and beyond—from excavation and foundations to final facade work—without delays or the burden of rental costs.

4. FINANCIAL INVESTMENT STRUCTURE

The requested funds of 20,000 EUR will be allocated as follows:

Mini Excavator (approx. 15,000 EUR): Essential for excavations, drainage, and site preparation.

Construction Scaffolding (approx. 5,000 EUR): Necessary for safe high-altitude work (facades, roofing) and independence from external suppliers.

Economic Impact:

Currently, my average monthly equipment rental costs are approximately 2,000 EUR. By owning the equipment, these costs will be reduced to routine maintenance and fuel (approx. 300 EUR). The difference of 1,700 EUR per month will be directed toward stabilizing the business and repaying the investment, meaning the entire amount is recovered through savings within approximately 12 months.

5. CONCLUSION

As an experienced entrepreneur, I guarantee that these funds will be used responsibly and strictly for business growth. The combination of my long-term craftsmanship and the acquisition of my own machinery will create a strong, competitive business capable of handling the most demanding projects.

I remain at your disposal for any additional information, proof of previous work, or official quotes for the equipment.

Sincerely,

Zoran Kecman

Owner, EXSTRA ZORAN KECMAN S.P