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Accelerate your business with flexible credit limit

  • Borrow up to 100,000 EUR without collateral.
  • Financing helps balancing the company’s working capital needs.
  • Possibility to use and repay at any time within the limit period.

Apply and we will contact you with a suitable solution.

  • Financing is suitable for balancing uneven cash flows caused by payment deadlines and daily expenses.
  • Can be perfect for one-off purchases you know you can repay quickly.
  • Credit limit is constantly available in your company’s account.
  • Incoming turnover will cover the used limit and will reduce interest expenses.
  • Limit from 5000 € up to 100% of the company’s average monthly net turnover.
  • Term up to 12 months.
  • Annual interest rate for loans:
    • without collateral – on an individual basis; depending on the amount
    • with collaterial (real estate property, commercial pledge) – average 5% + Euribor.
  • A fixed annual percentage for the unused part of the limit: 1–3%
  • Interest and commitment fee will be debited from current account real estate property, commercial pledge on the agreed payment date.

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.


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.


Service Price, EUR
Up to EUR 200 000 Above EUR 200 000
Management fee From 1% of the total limit, min. 150.00 On case-by-case basis, min. 300.00
Fee for non-used credit limit (% per annum) 1-3%
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. Starting with 1% of the limit, min. 150,00 On case-by-case basis, min. 250.00
Full or partial early repayment of the limit 1.5% per year of the limit for the remaining agreement term
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.
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.
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

Effective from 01.09.2022

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.

EIF-disclaimer 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.

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

  • Credit limit from 300 to 15 000 EUR
  • Extra funds that can also be used for paying bills

Cash against invoice - funding which is perfect in situations when you need to quickly increase the company’s working capital for goods or services sold while waiting for payment.

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