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Financing eligibility checker

When does the bank say “Yes”?

Here you will find out how the bank evaluates your company’s performance, finances and, consequently, your eligibility for financing.

You will quickly and effortlessly discover:

  • The bank’s financing eligibility criteria
  • Whether your company satisfies these criteria
  • An overall assessment of the company’s eligibility for financing
  • Tips on how to improve your eligibility

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.

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.

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