Financing eligibility checker

Find out your company’s financing eligibility score

A company’s eligibility for financing is affected by various factors. Here you’ll find the key metrics that are checked during your credit evaluation.

Learn about relevant requirements.
Check recommendations, how to improve score.
Better score will help you to get financing proposal faster.

To find out your individual financing eligibility score, log in to the internet bank.

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.

Financing eligibility checker

Find out your company’s financing eligibility score

Financials

Credit history

Relationship with bank

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