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Financing eligibility checker

Your company's financial health

Assessment of my company

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  1. Log in to internet banking
  2. You’ll get an financial evaluation of your company
  3. Discover your company’s strengths and weaknesses
  4. If you do not see the calculation or need help understanding it - apply for a consultation

Available to Swedbank customers. We can show the company’s individual valuation if the balance sheet and income statement are available in public databases.

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:  .

Equity ratio is:   %.

The more of a company’s assets (real estate, equipment, machinery, stock, current assets etc.) are financed by the owners themselves rather than creditors, the better its chances to obtain financing. In order to receive financing, your equity cannot be negative.

EBITDA (earnings before interest, taxes and depreciation)  .

A company’s ability to generate profit is an important factor in financial eligibility evaluations.

A company should have enough funds 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

A company’s credit history is one of the most important factors in determining its loan eligibility. This means reviewing the payment history of the company, related companies and key officials. You can find more information about the personal data processing in the Swedbank approved Principles of Processing Personal Data.

Timely payments of existing and past loans held by your company in Swedbank is one of the key elements for future financial eligibility of both the company and related individuals.

The payment discipline of your company and its group members in respect to third parties also indicates your trustworthiness today and in future.

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 financing applications.

A completed and up-to-date AML questionnaire is a prerequisite for applying for a loan from Swedbank.

A successful and sustainable relationship with the bank creates beneficial conditions when applying for financing.

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

The longer your business has been operating, the more trust we will have in it.

Financial figures putting a frown on your face?
Let us break them down for you!

Book an appointment for an in-depth evaluation of your company's financial health. We recommend choosing video consultation for communication.

6 business habits that lead to healthy finances for the company

Consume financial and business knowledge

Knowledge helps you to predict the future and use financial services for more efficient business development. Knowledge-based decisions tend to lead to better business results and help you stay ahead of your competitors.

Plan your company’s finances

Practice financial planning, balancing income, and expenses. This is cash flow planning, as invoices, revenue from operating activities, various economic expenses, current assets, and others. Keep an eye on them, looking for ways to cut expenses.

Create Cash Reserves

Business is full of surprises and not all of them are pleasant. Make sure that your company can financially endure large unforeseen expenses or sudden drops in income. It is recommended to set aside at least 10% of the monthly profit so that the savings reach an expense level of about six months. After reaching this level, the mentioned 10% can be invested in order to get additional profit.

Make profitable investments

Newer model phone or computer, work car are tempting. Investments should "withstand" one main criterion - will this investment bring additional profit to the company? It is important to always remain focused on business needs, leaving your private ones in the background.

Keep track on your company’s financials

Set financial goals and evaluate their performance by following them regularly. Determine the desired turnover, profit, and profitability. Knowledge of the company's activities will allow you to develop the business more successfully. In the context of financial indicators consult with both your accountant and a financial adviser or bank, which will help improve operational efficiency.

Seek external financing

Attracting external financing can help keep a company's finances healthy, thus maintaining the necessary safety margin of the company. Working capital financing can also help to develop faster. To obtain external financing, consult with your lender about financial criteria and funding opportunities.

My business, my starter bundle assembled by myself

  • A loan from EUR 5000 to 15,000
  • Without a pledge

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