Financing eligibility checker

Check yours!

What is financing eligibility made of?

A company’s financing eligibility is affected by various factors, such as its finances, credit history with the bank or other parties, business experience and relationship with the bank.

Here we explain them all in comprehensive detail and list ways to improve your financing eligibility.

AML questionnaire

Thank you, your AML questionnaire is up-to-date.

Your AML questionnaire has either not been completed or is out-of-date. Please update it.

An up-to-date completed anti-money laundering questionnaire is a prerequisite for applying for a financing from Swedbank.

Relationship with the bank

By being an active client of Swedbank, you create favourable financing conditions for your company.

Thank you for being our client! However, your account has not been active lately. Learn more about the wide variety of products we offer to companies.

A successful long-term relationship of a company and its key people with Swedbank creates beneficial conditions for financing.

Blocked accounts

None of your accounts at Swedbank is blocked.

One or more of your company’s accounts at Swedbank are blocked.

All your company’s accounts at Swedbank are currently blocked.

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

Our company’s eligibility for financing is based on your most recent annual financial statement (from no longer ago than 18 months), so be sure to do your accounting properly and keep your financial statements up-to-date.

Financial statements

Your annual financial statement is up-to-date. Thank you!

We don’t have your latest annual financial statement. Please upload it to be able to apply for financing.

Up-to-date yearly – and, sometimes, quarterly – financial statements are instrumental in the financing application assessment process.

Equity

Your equity value is sufficient for you to be eligible for the various financing opportunities offered by Swedbank.

Your equity value seems lower than normal. You can increase it by retaining earnings or revising your dividend pay-out policy.

Your equity cannot be evaluated due to missing annual financial statement. Please upload it here!

Your current equity value is insufficient. We recommend increasing it before applying for financing.

The greater the total of the company’s assets financed by lenders rather than the owners, the higher the credit risk related to the company. To be in the safe zone, the value of assets financed by the owners should be at least at a moderate level and not negative.

Profitability

Your profitability level seems sufficient to apply for various financing opportunities offered by Swedbank.

It seems that your business has not been generating profit during the respective financial year. This could negatively impact your financing eligibility. If this drop is temporary and does not impact your long-term outlook then we will analyse it individually during the application assessment process.

Your profitability results cannot be evaluated due to missing financial statement. Please upload it here!

It seems that your business has not been generating profit during the last few financial years. This could negatively impact your financing eligibility.

A company’s ability to generate profit is an important factor in financial eligibility evaluation. To evaluate your financial eligibility, we will focus on your EBITDA (earnings before interest, taxes, depreciation and amortization).

Leverage

Your debt to EBITDA ratio indicates that you are financially stable and are eligible for the various financing opportunities offered by Swedbank.

Your debt to EBITDA seems to be slightly over the normal level. It might be due to the sector you are working in, therefore we will analyse it in detail during the financing application assessment process.

Your leverage cannot be evaluated due to missing financial statement. Please upload it here!

A company should have enough cash available to cover potential additional liabilities. So, ratio of company’s total debt to EBITDA* should be in the safe zone when applying for financing.

* Earnings before interest, taxes, depreciation, and amortization.

Liquidity

Your liquidity seems sufficient to apply for the various financing opportunities offered by Swedbank.

Your current liquidity seems rather low, which means that it might be difficult for you to cover your liabilities in the short term. As this is highly dependent on the specifics of your business, we will analyse it in detail during the financing application assessment process.

Your liquidity results cannot be evaluated due to missing financial statement. Please upload it here!

The faster the company’s assets can be turned into money, the safer the company is.

Turnover

Your turnover is sufficient to be considered for financing from Swedbank and your year-on-year turnover changes indicate that you are operating successfully according to industry standards.

Your current turnover level is insufficient to be considered for financing from Swedbank.

Your turnover cannot be evaluated due to missing financial statement. Please upload it here!

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

Financing eligibility checker

What is financing eligibility made of?

AML questionnaire

Relationship with the bank

Blocked accounts

Internal

External

Write-offs

Agreement Forbearance

Financial statements

Equity

Profitability

Leverage

Liquidity

Turnover

Age of company

People and Group

Industry

Purpose of loan

Collateral

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Financing eligibility checker

What is financing eligibility made of?

AML questionnaire

Relationship with the bank

Blocked accounts

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