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PrivateBusiness

Loan

Funds to expand your company

Especially favourable conditions for purchasing solar panels, wind turbines and heat pumps.

  • Loan from 5000 euros for your business needs.
  • Possibility to get financing against surety.
  • Access to financing simplified by guarantee programs.
  • A starter loan is a one solution for the start-up company.
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The minimum amount for loan is 5000 EUR

The calculated monthly loan payment is for information only and gives an approximate idea.

  • 0EUR
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Loan payment schedule sample

Payment Balance Principal repayment Interest payment Monthly payment
0 0.00 0.00 0.00 0.00
  • Suitable for short-term business needs.
  • For covering expenses related to promoting products and services.
  • To buy real estate, agricultural land or other fixed assets.
  • To construct or renovate buildings.
  • Intended for purchasing solar panels, wind turbines and heat pumps.
  • Loan amount from 5000 EUR.
  • Term up to 5 years (payment schedule up to 10 years), for purchasing agricultural land up to 20 years.
  • Annual interest rate depends on amount and collateral
    • average rate against surety 9%.
    • average rate with mortgage 3,5%.
    • average interest rate 4.9% when purchasing solar panels, wind turbines or heat pumps.
  • Possibility of grace period.
  1. Fill out the application in the Internet bank. We will contact you within two business days.
  2. If property collateral is needed, we will require a valuation report from a real estate agency accepted by the bank.
  3. Sign the agreement digitally.
  4. If necessary register the collateral and procure insurance.
  5. The money will be transferred to your account.
We can ask for the annual financial report (not older than 12 months) if it has not been submitted to the Commercial Register.

Legal persons

Effective as of 01.10.2020
Investment loan, working capital loan, Start-up loan
Application of investment loan, working capital loan 1% of the loan amount, but no less than 200 €
Application of Start-up loan 1,5% of the loan amount, but no less than 300 €
Amendment of the agreement 1% of the loan/limit amount, but no less than 200 €
Early loan repayment fee 1,5% of the amount repaid early
Overdraft, revolving credit line
Application 1% of the limit amount, but no less than 200 €
Amendment of the agreement 1% of the loan amount, but no less than 200 €
Obligation fee 2% of the unused credit limit
Apartment association loan
Application 1% of the loan amount, but no less than 200 €
Amendment of the agreement 1% of the loan/limit amount, but no less than 200 €
Early loan repayment fee 1,5% of the amount repaid early
Contracts entered into between the European Investment Fund (EIF) and Swedbank enable us to provide loans and leasing services to micro, small and medium-sized enterprises in Estonia, Latvia, and Lithuania. The EIF aims at helping to finance and carry out investments in the European Union and ensuring greater access to capital. The guarantee programmes also help financing necessary investments if an enterprise does not have sufficient collateral.

EaSI guarantee

The objective of this program is to increase access to finance for micro-enterprises by offering additional guarantee from the EIF.

Requirements for using the EaSI guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is 25 000 EUR.
  • The company has up to 9 employees.
  • Annual turnover is up to 2 million EUR or the balance sheet total is up to 2 million EUR.
  • The guarantee is free of charge.

To get the EIF-supported financing, ask your contact person in the bank or fill in an application.

The supported financing benefits from the support of the European Union under the Guarantee Facility established under Regulation (EU) No 1296/2013 of the European Parliament and the Council establishing a Union Programme for Employment and Social Innovation (EaSI) and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing.

COSME guarantee

Requirements for using the COSME guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is 1.5 million EUR.
  • The company has up to 249 employees.
  • Annual turnover is up to 50 million EUR or the balance sheet total is up to 43 million EUR.
  • The guarantee is free of charge.

To get the EIF-supported financing, ask your contact person in the bank or fill in an application.

This financing is made possible thanks to the Guarantee that has been provided by COSME and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing.

To find out which financing option would work best for your company, sign up for a consultation!

Choose the purpose of financing and find suitable solution.

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Kind regards,
Swedbank