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Solar Surfers

Solar Surfers – your solar power partner! Solar Surfers installs solar panels on the roofs of buildings and on the ground with a high quality and personal approach. As solar panels, inverters and fixtures are also offered to business customers, this allows us to provide virtually all the well-known brands on the market.

  • Solar panel system installation from A to Z – project design, calculations, installation. We also help with the application for state support.
  • Solar Surfers works primarily with high-quality European panel manufacturers as well as high-class Chinese-made panels.
  • Our product range includes both mains inverters and inverters with power optimizers, as well as hybrid inverters.
  • Convenient apps to keep track of how much electrical power you produce.
  • Warranty for solar panels and inverters – from 10 to 30 years.
  • Special offer: safety comes first, that's why Solar Surfers is gifting Swedbank customers with free installation of surge protection!*

    * When contacting the vendor, let them know that you’re a Swedbank customer.


Elektrum is a safe and reliable partner for long-term investments for a greener future. Elektrum has a full-service offering – the decision is yours, Elektrum will take care of the rest!

Elektrum’s offer includes:

  • Solar panels and power inverters from the world’s top producers
  • 25-year efficiency warranty on solar panels
  • Choice between classic standard or elegant black panels
  • A tailor-made selection of solar panels based on your current power consumption and future plans
  • A thorough technical assessment which also includes solar panel shading analysis and the project’s 3D modelling with accurate efficiency calculations.
  • Building constructor's opinion
  • Document approval, solar panel system delivery, installation and putting into operation
  • Insurance for the first year of operation of the solar panel system
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AJ Power

AJ Power is the largest private group of energy companies in Latvia combining the broadest and most advanced service portfolio with the most experienced energy experts.

Professional installation of solar panels from the start until the end of the project in cooperation with globally established producers of solar panels and invertors:

  • Black monocrystalline solar panels fit for the Latvian climate
  • Inspection on site, calculations and tailor-made technical solution
  • Solar panel modelling and analysis of energy consumption at the property
  • All documentation preparation and approval
  • Solar panel installation and putting into operation
  • Solar panel system’s warranty service
  • Personal consultant just for you

PV Service

Your partner in dealings with the sun!

PV Service offers a full range of services in installation of the solar panel system - from consulting to connecting to network.

  • PV Service conducts an individual site-inspection for each client in order to ensure the most efficient result.
  • Calculates the payback time of a solar panel system based on consumption data.
  • Offers sustainable solutions lasting 25+ years. Also, power inverters and fasteners from the world's most recognized manufacturers with a warranty period of 12 to 25 years.
  • According to the customer's wishes, PV Service selects the most suitable solar panels for the roof of your house.
  • Five-year warranty period with a follow-up.
  • In cooperation with BSE Intégration (France), PV Service installs integrated in-roof solar panels. is a well-established company and has already been on the Latvian market for 5 years, whereas the experience of has been built up over more than 10 years, during which time it has accumulated knowledge in the solar panel installation.

  • Provision of full-cycle services, from project design and approval to installation and commissioning of solar panels.
  • Guidance for selecting the most effective solution for the particular customer.
  • Installation of solar panels compliant with and suitable for the European Union standards. All the relevant certificates are in place, providing a 10 to 30 year warranty on the equipment.
  • Cooperation only with top major manufacturers of solar panel equipment and fastenings.
  • Remote monitoring of installed systems to prevent technical problems early on.
  • Solar energy is a core business, so customers are guaranteed to receive the most innovative equipment and the latest information on the market trends.

Special offer: direct-current line surge protection for solar panels installed free of charge.*

* When contacting the vendor, let them know that you’re a Swedbank customer.

A loan for purchase and installation of solar panels, wind turbines, heat pumps

  • Borrow up to 100,000 EUR without collateral.
  • Reduced % on the loan.
  • Fill out the application and get our offer for your consideration.
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
  • For purchasing and installing solar panels, wind turbines, heat pumps for the own consumption of a company.
  • In order to find the best solar panel, wind turbine or heat pump solution for your company, please contact the suppliers.
  • Loan amount from 5,000 EUR.
  • Term up to 5 or 10 years based on collateral and loan amount.
  • Annual interest rate:

    • Without collateral – on an individual basis; depending on the amount
    • With collateral (real estate property, commercial pledge) - on a case-by-case basis.

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

  1. Consult with the supplier’s experts on the cost of purchase and installation.
  2. Fill out the application via internet banking. We will contact you within 2 business days.
  3. Sign the agreement via internet banking or book a time at a Swedbank branch.
  4. If necessary, register the collateral and procure insurance.

Important! After signing the agreement, the borrower has 90 days to submit a document proving the transfer of the loan amount for the purchase and/or installation of solar panels, wind turbines or heat pumps.


Service Price, EUR
Up to EUR 200 000 Above EUR 200 000
Management fee From 1% of the amount, min. 150,00 On case-by-case basis, min. 300,00
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


Solar Surfers

Solar Surfers help reducing electricity bills by installing high-quality solar panels. Personal approach to everyone – from calculation to installation.

Find out more


Elektrum – an established and reliable long-term partner. With Elektrum, installing and using solar panels will be simple and high-quality.

Find out more

AJ Power

The most experienced full-cycle installer of solar panels in Latvia. Cooperation with globally recognised manufacturers of solar panels and invertors.

Find out more

PV Service

PV Service offers an individual approach to the selection and installation of solar panels. Cooperation with world-renowned manufacturers.

Find out more

A well-established company with several years of experience in the industry which provides full-cycle solar panel installation and continuously monitors the systems remotely.

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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.

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.

Leasing rates from 1.49%.

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