Financing eligibility checker

Company´s financial health

Companies are usually judged based on their financial indicators. However, financial indicators are only a consequence of action or lack of it. The reason for this is the company’s ability to reach its customers, attract employees, finance development. And therefore, the financial health of the company, or how much development energy the company is endowed with, almost always depends on planning.

Find out your company’s financing eligibility score.
We’ll explain what the financial indicators tell us.
You’ll find out what to pay extra attention to.

View the financing eligibility of your business

The financing eligibility of your business is based on its latest annual report. Responsible corporate behaviour creates easier and more favourable access to funding.

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Log in to the Internet Bank.
View your financing eligibility level.
Identify your strengths and weaknesses.
If you do not see the financing eligibility level of your business or if you have any questions, please book an appointment for a personal consultation.

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.

Swedbank Sustainability HUB

Sustainability is also a very important component of business success, not only in terms of finances, but also with regard to how well it adheres to ESG (environmental, social, and governance) principles. Many studies have shown that there is a positive link between sustainability and financial performance.

Visit our Sustainability HUB, check out the web school, and use the practical ESG tool to take the first steps on your path to corporate sustainability.

Sustainability HUB is available only in Estonian language.

Expand knowledge on financial and business topics

Knowledge helps you understand your company’s finances, make smarter business decisions, and better use financial services to grow your business more successfully. Knowledge-based decisions generally lead to better business results and give you a competitive edge.

Plan the company’s finances

In the same way that you need to plan your personal finances, it is very important to keep an eye on your company's finances. Plan the company’s cash flows, find optimal stock level and keep an eye on payment deadlines. Be aware of the company's biggest expense items and look for ways to cut costs.

Create Cash Reserves

Business is full of surprises, and not all of them are pleasant. Make sure that your company can stay afloat if large, unexpected costs occur or you suddenly lose planned revenue. If your cash reserve is too small, it is worth considering how to increase it.

Make smart investments

Investments should meet one main criterion – will they bring income to the company? If the answer is yes, it is worth investing. First of all, it is worth making investments related to the company's core business, it is reasonable to invest money elsewhere only if the company has enough buffer for this.

Keep an eye on your finances

Set clear and realistic business and financial goals for the company and regularly evaluate their performance. Monitor the situation on an ongoing basis and try to find more effective solutions and growth opportunities for the company. Different bank solutions help to achieve goals in different stages of the company’s development.

If you plan to expand, seek financing early

If you need financing for investments or working capital, it is always worth turning to us and exploring your financing options, so that the appropriate banking solutions work for you. Also, bringing in extra cash can help keep the company in good financial health by providing the necessary reserve for unexpected events.

Let´s find a financing solution for your business together

You can conveniently open a business account in our Internet Bank.

Get a personal consultation for your company with our experts at a time convenient for you.