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Find the suitable financing

There are no small challenges in business

We are ready to adjust financial solutions to meet your needs.

  1. Find the most suitable financing option for your company.
  2. See side-by-side comparison when several options are available.
  3. Apply and we will contact you with suitable solution.
  4. We are here to help you if you have any questions.

Find the most suitable financing solution for your business

Financial lease

Operating lease

Possibility to return a car to the buyback provider or buy it for residual value at the end of the lease period.

Business Credit Card

Extra funds for everyday needs, transfers from the credit card account.

Business Gold Credit Card

In addition to the Business Credit Card features includes travel insurance.

Loan

Overdraft

Helps to balance working capital needs.

Invoice financing

Immediately improved cashflow while waiting the payment of issued invoices.

Factoring

Helps to balance operating cashflow, while waiting the payment of issued invoices.

Monthly payment 0 EUR 0 EUR
Term
Down payment 1
Residual value no remaining value
CASCO Insurance  The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, vandalism, natural disasters, thefts and similar).
Contract fee 0 EUR 0 EUR
Annual interest rate
  • From 2.49% + 6m Euribor
  • Environmentally friendly cars from 1.49% + 6m Euribor
Term 3 years 3 years
Collateral - -
Fees

Issue fee 5 EUR


Monthly fee 3 EUR

Issue fee 10 EUR


Monthly fee 10 EUR

Annual interest rate 18% 14%
Interest free period for purchases Up to 30 days Up to 40 days
Monthly payment 0 EUR
Term Up to 1 year Up to 90 days Up to 1 year
Collateral Financed invoice Financed invoice
Contract fee 0 EUR 0 EUR No Calculated individually for each company
Annual interest rate 1% of the financed amount per month (12% per year) Calculated individually for each company

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The offer is indicative only. The calculations may differ depending on the vehicle selected and the customer’s insurance history.
Type of insurance – Standard CASCO insurance, deductible for all events 190 EUR, theft 15%, but not less than 190 EUR, broken glass – 0 EUR.

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

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.

The fastest way to finance smaller business investments.

Helps to balance the company’s working capital needs.

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