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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.
  • A starter loan is a one solution for the start-up company.
  • We are here to help you if you have any questions.
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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 30 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.
  • If the limit is up to 15 000 EUR, surety of a board member or owner.
  • KredEx or Rural Development Foundation surety.
  • Mortgage on real estate property or agricultural land.
  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.

Real Estate Evaluators accepted by Swedbank to value commercial and residential properties

Real estate company Address Phone
  • 1Partner Kinnisvara

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.1partner.ee
  • 66 84 700
  • 50 46 190
  • 73 66 006

Arco Vara Kinnisvarabüroo OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.arcovara.ee
614 4600
744 2218
447 1430
435 9969
324 0888
357 7227
337 0400

Arco Vara Kinnisvarabüroo OÜ representatives

514 1045
514 1045
555 222 55
565 076 37
565 076 37
565 076 37
565 076 37
565 076 37
512 4236

Colliers International Advisors OÜ

616 0777

Domus Kinnisvara Vahendus OÜ

646 4035
742 3100
443 1154
356 6411
433 4411
453 6433

Eri Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.eri.ee
606 0077

Kaanon Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.kaanon.ee
665 9585
735 0850

Kinnisvaraekspert OÜ

Kinnisvaraekspert Pärnu OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
626 4250
442 0700

Lahe Kinnisvara

608 0530
5622 2313
512 4565
5645 8687

LVM Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.lvm.ee
  • 4 477 000
  • 56 56 800
4 526 700
68 43 700
710 2000

Newsec Valuations EE OÜ

  • Area: whole Estonia
  • Property type: commercial property
  • www.newsec.ee
5346 8308

Ober-Haus Hindamisteenuste OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.ober-haus.ee
6 659 700
7446 500
33 70 768

Pindi Kinnisvara OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.pindi.ee
  • 610 3900
  • 512 0280
482 1408
744 1116
  • 447 1075
  • 521 4985
357 5115
327 7100
452 9500
384 6015
610 3903
433 0111
472 0830
332 7676
786 0936

Pindi Kinnisvara OÜ representatives

514 9289
5667 9221
504 2164
501 3658
5551 5382

RE Kinnisvara AS

  • Area: Harju- ja Raplamaa
  • Property type: residential and commercial property
  • www.re.ee
6 688 666

Uus Maa Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.uusmaa.ee
627 2600
744 1144
442 0380
322 3601
337 9750
520 4955
435 1361
58 14 5068
56 241 810
53 73 0096

You’ll get an individual financing eligibility score for your company and an extensive list of elements that make up the score.

This calculation is available for small companies.

If the financing eligibility score is not shown for your company, book a consultation to meet with us or contact your manager.

See your score

Get familiar with the measures used to create the score, learn about the criteria that are important and get to know how to improve your score if needed.

Is your financing eligibility score 40% or higher? If so, you can apply for a loan. If it is lower, find out how to improve your score.

Financials

Your company’s loan eligibility is based on your latest financial statement, so be sure to do your accounting properly and keep the financial statements up to date.

Up to date annual, and sometimes quarterly, financial statements are instrumental in the loan application process.

Your equity is:   EUR.

Equity ratio is:  %.

The bigger the self contribution in a company’s assets, the lower the credit risk related to the company.

EBITDA Earnings before interest, taxes, depreciation and amortization   EUR.

A company’s ability to generate profit is an important factor in financial eligibility evaluations.

A company should have enough cash available to cover potential additional liabilities.

To be eligible for financing, a company must have a sufficient level of turnover or a future project with good turnover potential. A sustainable pace of turnover growth is one sign of a financially healthy company.

Credit history

Your company’s credit history is one of the most important factors in determining your loan eligibility. Normally, this means reviewing the payment history of your company, other companies related to it and key people involved. You can find more information about the personal data processing here.

Timely payments of existing and past loans held by your company with Swedbank is one of the key elements of the financial eligibility of both the company and related individuals.

The status of payment discipline at your company and its group members in respect to third parties helps us understand whether your company is a responsible partner.

Relationship with bank

Please let us know if you have recently changed the name of your company, its ownership or area of business. Make sure to complete and update your anti-money laundering (AML) questionnaire, as this is an essential part of loan applications.

A completed and up to date Customer data questionnaire is a prerequisite for applying for a loan from Swedbank.

A sustainable and long-term relationship with the bank creates beneficial conditions when applying for financing.

Blocked accounts can be a clear indication that a company is experiencing difficulties.

The longer your business has been operating, the more trustworthy it is for us.

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

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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