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Equipment leasing


Forms (LV/RU)

Cars, commercial vehicles and industrial equipment leasing applications:

Let the business work efficiently!

  • For buying new and used equipment, machinery, production facilities
  • Machinery leasing even more accessible with the EaSI guarantee
  • Down payment from 10%

Apply and we’ll arrive at the most beneficial solution together!

Apply also if search for the car is ongoing The offer will be valid for 30 days Once the car is found, just sign the agreement
The minimum amount in leasing is 6000 EUR. Alternative for smaller ammount – Business Credit Card. Invalid amount! Down payment entered incorrectly!
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Show chart

Payment schedule sample

Payment Residual value Lease payment Interest payment Document processing fee with VAT Total
0 0.00 0.00 0.00 0.00 0.00
  • For production and service provision facilities
  • For construction machinery
  • For warehouse equipment
  • For logging and agricultural machinery
  • For medical devices
  • Become the owner of the equipment at the end of the lease period.
  • Gradually pay out equipment purchase value and interest within the lease period.
  • Possibility to buy a used or new equipment.
  1. Fill in an application via Internet Banking or apply for consultation.
  2. Submit equipment valuation if needed.

    Valuation is required if you buy a used equipment and the seller is not a Swedbank cooperation partner (equipment dealer).

    Valuation can be obtained from our cooperation partners:

    • SIA AR Control, address: Daugavgrivas street 77, Riga, LV-1007, phone 29 209 154, 29 398 462; (Can evaluate only agricultural and construction equipment).
    • SIA 3G, address: Matīsa 76/78 (in a yard), Riga, phone 26546688.
  3. The lease agreement may be signed via Internet Bank or at Swedbank branch. See a tutorial on how to do it easily via Internet Banking.
  4. Pay the down payment, commission fee invoices.
  5. Re-register the financed machinery, equipment with VTUA. A new registration certificate will be issued to you with Swedbank Līzings SIA stated as the owner and your company - as the registered keeper ('holder’) of the equipment.
The machinery must have valid insurance. If the machinery is intended to be used in road traffic, it must carry valid CASCO and MTPL insurance. Please e-mail a copy of the policy to For the approved insurance companies, see here.

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.


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.

  • Leasing equipment or machinery maturity at the end of the leasing contract – 15 years.
  • Financed amount from 6 000 EUR.
  • Repayment period up to 5 years.
  • Down payment from 10%.


Product/Service Price, EUR
Granting of lease Apply for via Internet Banking 1.5 % of the car/equipment price, min. 130.00 + VAT
Document processing fee 0.00 - 213.00 + VAT Standard terms - 0.00
In case of deviation from the standard terms of the agreement or if the agreement needs to be drafted in a foreign language - EUR 213 + VAT.
Additional lease granting fee applies.
English or Russian.
Valuation of a car at a branch 37.19 + VAT Valuation may be carried out for cars with acquisition value of up to EUR 70000. The valuation fee is charged regardless of whether bank's financing is set up or not. The valuation is for internal use only and will not be issued to the customer. Valuation is available only in branches outside Riga.
Change of lease currency, change of interest rate type 1.5% of the outstanding amount, min. 60.00 + VAT
Processing of other changes and contractual amendments Apply via Internet Banking Up to 0.5 % of the outstanding amount, min. 60.00 + VAT
Preparation and issuance of agreement copies, standard bank certificates, sub-letting approvals and authorizations for travelling outside the Republic of Latvia Apply via Internet Banking 25.00 - 50.00 + VAT Standard - 25.00 + VAT
Urgent - 50.00 + VAT
Urgent preparation of authorization - in 4 business hours of the Bank
Preparation and issuing of non-standard documents upon customer's request Apply via Internet Banking 70.00 + VAT
Monitoring of the leasing transaction in connection with insurance of the collateral 200.00 + VAT
Signing of debt agreement 0.2 % of the outstanding amount, min. 71.00
Debt agreement document processing fee 0.00 - 213.00 + VAT Standard terms - 0.00
In case of deviation from the standard terms of the agreement or if the agreement needs to be drafted in a foreign language - EUR 213 + VAT.
English or Russian.
Document processing Final invoice for a third party may only be requested from your manager or any Swedbank branch. In case of finance lease, also the document showing the residual value must be submitted together with the request for final invoice.
- in case of early performance of obligations Apply via Internet Banking 1.5% of the outstanding amount, min. 70.00 + VAT.
Additionally EUR 100.00 + VAT, if the final invoice is issued to a third party.
For finance lease or loan.
- in case of redemption of the object of operating lease agreement Apply via Internet Banking 1.5% of the outstanding amount, min. 70.00 + VAT.
Additionally EUR 100.00 + VAT, if the final invoice is issued to a third party.
- in case of re-financing Apply via Internet Banking 1.5% of the outstanding amount, min. 170.00 + VAT
CSDD fee: Deregistration for sale in Latvia 3.02

Supplementary car leasing services

Car insurance
Setting up fee Free of charge
Monthly payment According to the insurer's rates
Early termination Current period's monthly payment

Effective from 01.08.2021

General terms and conditions

The following changes can be made to the lease agreement:

  • Change in date of monthly payments here.
  • Early performance of obligations (in full) here.
  • Deferral of principal repayments here.
  • Extension of payment deadline here.

Authorisation for Use of the Vehicle

If you plan to go to with the car or motorcycle on lease to Albania, Azerbaijan, Belorussia, Bosnia and Herzegovina, Iran, Macedonia, Morocco, Moldova, Montengro, Russia, Serbia,Tunisia, Turkey, Ukraine or drive such a vehicle in any of these countries, then you need to purchase Green card. Before you travel make sure that your CASCO insurance is valid in the country you are travelling or plan to cross.

Early termination

  • If you wish to pay off the remaining lease before the contract end date or ask the final invoice to be issued in the name of a third party, fill out an application here.
  • If final invoice is asked to be issued in the name of a third party. and you currently have finance lease, then also the waybill - invoice about the remaining balance of lease must be submitted at any Swedbank branch or signed with secure electronic signature and sent by email to
  • After discharging the lease obligations, you can register the equipment with VTUA (if equipment is registered) in your or buyer’s name.

End of finance lease period

  • When the agreement expires, we will start the equipment ownership transfer process. You will have to come to Swedbank branch and sign act of convenience and then re-register asset in VTUA if asset is registered. If asset is not registered then signed act of convenience will serve as ownership transfer.

Contracts entered into between the European Investment Fund (EIF) and Swedbank enable us to provide loans and leasing services to micro, small and medium-sized enterprises in Estonia, Latvia, and Lithuania. The EIF aims at helping to finance and carry out investments in the European Union and ensuring greater access to capital. The guarantee programmes also help to finance necessary investments if an enterprise does not have sufficient collateral.

EaSi guarantee

The objective of this program is to increase access to finance for micro-enterprises by offering additional guarantee from EIF.

Requirements for using the EaSI guarantee

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to 25 000 €.
  • The company has up to 9 employees.
  • Annual turnover is up to 2 million € or the balance sheet total is up to 2 million €.
  • The guarantee is free of charge.

The supported financing benefits from the support of the European Union under the Guarantee Facility established under Regulation (EU) No 1296/2013 of the European Parliament and the Council establishing a Union Programme for Employment and Social Innovation (EaSI) and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing.

To find out which financing option would work best for your company, sign up for a consultation!

Choose the purpose of financing and find suitable loan.

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Business Credit Card sale ends in

  • Get the card without the issuance fee.
  • Don’t pay the monthly fee for the first three months.
  • Credit limit from 300 to 15,000 EUR.
  • Included travel insurance.

Offer valid when applying for the Business or Business Gold Credit Card between 01.03.2023and 31.03.2023.