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PrivateBusiness

Find the suitable financing

We are ready to adjust financial instruments to meet your needs

And we are here if you have any questions.

A business opportunity! An loan of up to 20,000 EUR without a pledge and with reduced %.

Apply and find out the conditions for getting the amount you need.

Funding selection tool

Financial lease

Operating lease

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

Loan
Special deal

Business Credit Card

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

Business Gold Credit Card

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

Loan

Overdraft

Helps balancing working capital needs.

Invoice financing

Immediate improvement of cashflow while waiting payments for issued invoices.

Factoring

Helps balancing operating cashflow, while waiting payments for issued invoices.
Monthly payment 0 EUR 0 EUR 0 EUR
Term
Down payment 1 -
Residual value No remaining 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). -
CO2 emission level**
Fees
  • 1.5% of the car / equipment price (min. 130 EUR + PVN)
 		0 EUR 0 EUR
As agreed
  • From 1% of the total limit, min. 100 EUR
Annual interest rate
  • From 2.59% + 6m Euribor
  • Environmentally friendly cars from 1.49% + 6m Euribor
Term 3 years 3 years
Collateral A company turnover or/and owner’s surety A company turnover or/and owner’s surety
Fees
  • Issue fee 6 EUR

    0 EUR if applied for by 18.09.2022.

    Issue fee 6 EUR
  • Monthly fee 4 EUR

    0 EUR for 3 mon. if applied for by 18.09.2022.

    Monthly fee 4 EUR
  • Issue fee 10 EUR

    0 EUR if applied for by 18.09.2022.

    Issue fee 10 EUR
  • Monthly fee 10 EUR

    0 EUR for 3 mon. if applied for by 18.09.2022.

    Monthly fee 10 EUR
Annual interest rate 18% 14%
Interest-free period for card 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
Fees
As agreed
  • From 1% of the total limit, min. 150 EUR
As agreed
  • From 1% of the total limit, min. 150 EUR
 No Individually
Annual interest rate 1% of the financed amount per month (12% per year) Individually

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The offer is indicative only. The calculations may differ depending on the vehicle selected and the customer’s insurance history.
Terms of insurance: insurance type - Standard CASCO Insurance, a deductible for damages – EUR 140 , theft, robbery deductible - 5%, but not less than EUR 140.00 , glass deductible – EUR 0.

The calculation is for information only. In the event of the variable component of the interest rate (6-month EURIBOR) applied to the financing increasing to 1.831% (historically highest 6-month EURIBOR value within past 10 years), the monthly payment would be 254 EUR. The calculated monthly payment is for information only and gives an approximate idea.

** According to the light vehicles test procedure (WLTP) data.

You’ll get an individual financing eligibility score for your company.

If the financing eligibility score is not shown for your company, book a consultation.

Log in and learn more

Get familiar with the criteria that the bank takes into consideration when examining your application for financing. Improve your weak points, if necessary.

If your financing eligibility score is appropriate, the next step is to determine the type of financing best suited for the company. Otherwise, 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:  .

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.

Your company’s EBITDA is  .

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.

The fastest way to finance smaller investments of the company.

Helps balancing the company’s working capital needs.

Especially favourable conditions for equipment. Leasing interest rate from 0.74% + 6-month Euribor.

A companion in business for just 4 EUR a month.

Unsecured loan is possible.

Leasing interest rate from 1.49%.
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Company’s contribution to 3rd pillar pension

It's a beneficial investment in your employees.