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Loan

Funds to expand your company!

  • Borrow up to 100,000 EUR without collateral.
  • Loan for your business needs.
  • Easy to apply in Internet bank.

Apply and we will contact you with a suitable solution.

Minimum sum of loan - 5000 EUR. Alternative for smaller amount – Business Credit Card.

The calculated monthly payment is for information only and gives an approximate idea.

Important! Please be informed that an increase in the Euribor base rates may result in an increase in your monthly loan payments. For the current amount of the Euribor base rate, see here.

  • 0EUR

Loan payment schedule sample

Payment Balance Principal repayment Interest payment Monthly payment
0 0.00 0.00 0.00 0.00
  • Suitable for IT development, purchase of tools and realization of other short-term business needs.
  • To buy real estate, agricultural land or other fixed assets.
  • To construct or renovate buildings.
  • For covering expenses related to marketing.
  • Intended for purchasing solar panels, wind turbines and heat pumps.
  • Loan amount from 5 000 EUR. Alternative for smaller amount – Business Credit Card.
  • Term up to 5 or 10 years based on collateral and loan amount, for purchasing agricultural land up to 20 years.
  • Annual interest rate:
  • Possibility of grace period.

As a precondition to applying for the financing, the corporate customer must have been carrying out business activities for at least 12 months.

  1. Fill out the application on the Internet Bank. We will contact you within 2 business days.
  2. Sign the agreement via internetbank or book a time at Swedbank branch.
  3. If necessary, register the collateral and procure insurance.
We can ask for the annual financial report (not older than 12 months) if it has not been submitted to the Commercial Register.
In case of property collateral needed we ask a valuation report from a real estate agency accepted by the bank.

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.

Loan

Service Price, EUR
Up to EUR 200 000 Above EUR 200 000
Receiving
Management fee From 1% of the amount, min. 150,00 On case-by-case basis, min. 300,00
Using
Fee for non-used credit limit (% per annum) If the loan is guaranteed by real estate or commercial collateral. From 0,5%
Amendments, incl. extension of loan repayment period, increase in amount, as well as preparation of other contractual amendments Fee for changes without amendment of the agreement starting from 25.00. From 1% of the amount, min. 150.00 On case-by-case basis, min. 250.00
Change of loan currency, change of interest rate type If the loan is guaranteed by real estate or commercial collateral. 1.5% of the outstanding loan amount
Full or partial early repayment of the loan 1.5% of part of the loan to be repaid
Preparation and issuance of standard loan extracts and bank references 25,00 - 50,00 + VAT Standard - 25,00 + VAT
Urgent - 50,00 + VAT
Preparation and issuing of bank’s consent upon client's request On case-by-case basis, min. 30,00 + VAT If the Bank’s consent needs to be notarized, then, in addition to the fee, the Customer will cover the expenses of notary services.
Monitoring of the loan in connection with insurance of the collateral If the loan is guaranteed by real estate or commercial collateral. 200.00
Lease agreement approval If the loan is guaranteed by real estate. 50,00 - 200,00
Fee for registration of mortgage in branches of Land Register of Riga city or district on client's behalf If the loan is guaranteed by real estate. 35,00 The fee is withheld if the client wishes to use the services of Bank's courier.

Effective from 01.09.2022

  • Deferral of principal repayments or extension of payment deadline here.
  • In case of other amendments to the contract, please send us an Internet Banking message.
  • Consultation with a financial specialist of the bank here.

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 Guarantee is provided with the ultimate purpose of enhancing access to finance in line with defined policy objectives. The guarantee programme also helps financing necessary investments if an enterprise does not have sufficient collateral.

Guarantee program for medium-sized enterprises “InvestEU SME Guarantee”

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

Conditions for using the InvestEU SME Guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to EUR 2,000,000.
  • The company has up to 250 employees.
  • The annual turnover is up to 50 million EUR, or the balance sheet total is up to 43 million EUR.
  • The guarantee is free of charge.

To get the EIF-supported financing, ask your contact person in the bank or fill in an application.

Guarantee program for micro-enterprises “InvestEU Micro Guarantee”

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

Conditions for using the InvestEU Micro Guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to EUR 50,000.
  • The company has up to 9 employees.
  • The annual turnover is up to 2 million EUR, or the balance sheet total is up to 2 million EUR.
  • The guarantee is free of charge.

To get the EIF-supported financing, ask your contact person in the bank or fill in an application.

The supported financing benefits from the support from the European Union under the InvestEU Fund. The InvestEU Fund is designed to support policy objectives of the European Union by means of operations that contribute to (i) the competitiveness of the European Union; (ii) growth and employment in the European Union economy, the sustainability of the European Union economy and its environmental and climate dimension; (iii) social resilience; (iv) the promotion of scientific and technological advances, of culture, education and training; (v) the integration of the European Union capital markets and the strengthening of the internal market; (vi) the promotion of economic, social and territorial cohesion; or (vii) the sustainable and inclusive recovery of the European Union economy after the crisis caused by the Covid-19 pandemic.

Additional information can be found on the information page provided by the European Commission.

European Investment Fund

Swedbank and development financial institution ALTUM have signed a cooperation agreement on implementing a new state support financial instrument — portfolio guarantee.

The Portfolio Guarantee Programme is intended for small and medium-sized enterprises, providing access to finance in case of insufficient collateral.

Conditions for granting the finance:

  • Maximum finance amount up to EUR 250,000
  • A loan without collateral up to 70,000 EUR
  • Eligible to the finance are investments in fixed assets and current assets
  • Lower loan interest rate
  • Guarantee's premium:
    0.8% per annum if the finance period is under 2 years
    1.42% per annum if the finance period is over 2 years
  • Fast handling process

If the amount to be financed exceeds 250 000 EUR, Swedbank offers setting up ALTUM's individual credit guarantee.

To receive finance with ALTUM guarantee, please contact your contact person at the bank or fill out the application here.

Finance under this Programme is considered de minimis support in accordance with Commission Regulation (EU)1407/2013 of 18.12.2013. Cabinet Regulations 537 of 10 .09.2017 on portfolio guarantees to facilitate lending to micro, small- and medium-sized businesses. More information on who can receive the ALTUM guarantee is here.

  • For renovation of buildings to achieve primary non-renewable energy demand savings of at least 30%.
  • For construction of new energy-efficient buildings.
  • For purchase of energy-efficient buildings
Criteria for loan
  • Loan amount from 5000 EUR.
  • Term up to 10 years, depending on the collateral and loan amount.
  • The financed property must be pledged as collateral.
  • The collateral must have a valid energy performance certificate (EPC) throughout the loan period.
  • Obligation to provide annual energy consumption data for all real estate properties serving as collateral;
  • In the event of non-compliance with the requirements, the interest rate is increased to the rate specified in the loan agreement.
  • To apply for financing, the customer must have been carrying on business for at least 12 months.
  • Contact your account manager to apply.
  • Fill out an application via Internet Banking.
  • We will contact you within 2 business days.
Additional documents to be submitted

We recommend contacting our approved partners that will help with preparing the documents evidencing energy efficiency.

For renovation of buildings to achieve primary non-renewable energy demand savings of at least 30%.

For construction of new energy-efficient buildings.

  • The primary non-renewable energy usage level must be 10% below the regulatory threshold for Nearly Zero-Energy Buildings*

or

  • energy performance certificate (EPC) class A or higher and BREEAM certificate rated as "Very good" or a LEED certificate rated as "Gold".

*Methods for calculating the energy performance of buildings and regulations for the energy certification of buildings (likumi.lv), Annex 3, Table 2, 3

For purchase of energy-efficient buildings built BEFORE 31.12.2020:

  • For the purchase of energy-efficient buildings for which the record on fulfilment of all conditions for starting construction has been made in the building permit on or before 31.12.2020.
  • energy performance certificate (EPC) class A or higher

For purchase of energy-efficient buildings built AFTER 31.12.2020:

  • For the purchase of energy-efficient buildings for which the record on fulfilment of all conditions for starting construction has been made in the building permit on or before 31.12.2020:
  • The primary non-renewable energy usage level must be 10% below the regulatory threshold for Nearly Zero-Energy Buildings*

or

  • energy performance certificate (EPC) class A or higher and BREEAM certificate rated as "Very good" or a LEED certificate rated as "Gold"

*Methods for calculating the energy performance of buildings and regulations for the energy certification of buildings (likumi.lv), Annex 3, Table 2, 3

  • Current energy performance certificate (EPC) and estimated new energy consumption calculation after renovation
  • Renovation project
  • Estimated renovation end date
  • Energy performance certificate (EPC)
  • Estimated construction end date
  • BREEAM (Interim Certificate: Design Stage) or LEED certificate, if applicable
  • For buildings with area larger than 5000 m2, if available, LCA (Life Cycle Assessment) or an extract from the environmental certificate showing GWP (Global Warming Potential) calculations.
  • Valid energy performance certificate (EPC)
  • If such data is available, documentary proof of the existence of smart building management systems (BMS): Energy Performance Contract or Building Automation and Control System Contract or other document evidencing.
  • Valid energy performance certificate (EPC)
  • BREEAM (Interim Certificate: Design Stage or Final Certificate) or LEED certificate, if applicable
  • For buildings with area larger than 5000 m2, if available, LCA (Life Cycle Assessment) or an extract from the environmental certificate showing GWP (Global Warming Potential) calculations.

BREEAM is the world’s leading science-based suite of validation and certification systems for a sustainable built environment. (BRE Group)
LEED (Leadership in Energy and Environmental Design) is the globally widely used green building rating system. LEED certification provides a framework for healthy, highly efficient, and cost-saving green buildings which offer environmental, social and governance benefits.
NZEB - A Nearly Zero-Emission Building is a building that has a very high energy performance.

R8 Technologies can offer Swedbank customers a comprehensive certificate on compliance with the loan eligibility criteria.

  • Founded in 2017, R8 Technologies is a leading AI technology company for commercial real estate. The Estonian company has 4 million m² of commercial real estate under its management across Europe at present, including shopping malls, hotels, offices, and public buildings.
  • The R8 Digital Operator is an easy-to-implement software solution that does not require any additional hardware installation to maximize heating, ventilation and air conditioning (HVAC) performance. This AI solution constantly learns about the dynamics of building and takes external factors into consideration to improve energy efficiency, reduce operational costs, and meet sustainability goals.
  • The R8 Digital Operator is a human-centric AI solution developed by R8 Technologies that optimizes energy consumption on a 24/7 basis while maintaining the desired indoor comfort in the building with real-time autonomous control capabilities.
  • More info https://r8tech.io/certificate

Contact details:

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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