Financing

Are you entrepreneur with a growth vision?

Enterprises across Estonia received €3.7M* financing every single day throughout 2019 to develop their businesses.

You can be one of them.

  • A comprehensive offer for financing to meet your business needs.
  • Various guarantee programs available to make financing even more accessible.
  • If you need an advice, send us your question and we will be in touch with you.
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*The volume of financing agreements concluded by Swedbank during 2019 with legal persons in Estonia, as of 31 August 2019.

Please select a suitable loan

Overdraft Short-term loan Investment loan Start-up loan
Short-term loan Long-term loan
Objective A flexible option to cover unexpected expenses (reusable limit) Carrying out financially capacious short-term projects To finance investments with greater and longer pay-back period Helps to launch the company and finance working capital
Term Up to 1 year Up to 18 months
  • Up to 5 years (schedule of payments up to 10 years)
  • Up to 30 years upon purchasing agricultural land
 Up to 5 years

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To develop your business -  25,000 euros against suretyship of a private person.

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Please select a suitable leasing option

Car leasing Equipment leasing
Objective Purchase of cars, vans and trucks Purchase of agricultural, construction, engineering, and production equipment
Term Up to 5 years Up to 6 years

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Guarantees of the European Investment Fund

The 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 to finance necessary investments if an enterprise does not have sufficient collateral.

Requirements for using the COSME guarantee
  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to 1.5 million euros.
  • The company has up to 249 employees.
  • The company’s turnover is up to 50 million euros per year or the balance sheet total up to 43 million euros.

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.

Requirements for using the EaSI guarantee
  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to 25,000 euros.
  • The company has up to 9 employees.
  • The company’s turnover is up to 2 million euros per year or the balance sheet total up to 2 million euros.

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.

EIF

  • Ask for advice

    Have you found a solution matching your needs? If you need an advice, send us your question and we will be in touch with you.

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  • Credit card

    A card which allows the company to have additional funds and also enables to pay the invoices.

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  • Traffic Insurance and Casco Insurance

    Fully comprehensive insurance will always compensate the higher of two values – either the value of the car agreed upon entering into an insurance contract or market value of the car before the occurrence of damage. We will quickly pay out the compensation.

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