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Loan

Funds to expand your company

  • NEW! EIF Guarantee aims to enhance access to finance.
  • Loan for construction, renovation or acquisition of energy efficient buildings with reduced interest rate.
  • Loan from 5000 euros for your business needs.
  • We are here to help you if you have any questions.
The minimum amount for loan is 5000 EUR

The calculated monthly loan payment is for information only and gives an approximate idea.
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Loan payment schedule sample

Payment Balance Principal repayment Interest payment Monthly payment
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  • Suitable for short-term business needs.
  • For covering expenses related to promoting products and services.
  • To buy real estate, agricultural land or other fixed assets.
  • To construct or renovate buildings.
  • Intended for purchasing solar panels, wind turbines and heat pumps.
  • Loan amount from 5000 EUR.
  • Term up to 5 years (payment schedule up to 10 years), for purchasing agricultural land up to 30 years.
  • Annual interest rate depends on amount and collateral
    • average rate against surety 9% + euribor.
    • average rate with mortgage 3,5% + euribor.
  • Possibility of grace period.
  1. Fill out the application in the Internet bank. We will contact you within two business days.
  2. If property collateral is needed, we will require a valuation report from a real estate agency accepted by the bank.
  3. Sign the agreement digitally.
  4. If necessary register the collateral and procure insurance.
  5. The money will be transferred to your account.
We can ask for the annual financial report (not older than 12 months) if it has not been submitted to the Commercial Register.

Real Estate Evaluators accepted by Swedbank to value commercial and residential properties

Real estate company Address Phone

  • 1Partner Kinnisvara

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.1partner.ee
  • 66 84 700
  • 50 46 190
  • 73 66 006

Arco Vara Kinnisvarabüroo OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.arcovara.ee
614 4600
744 2218
447 1430
435 9969
324 0888
357 7227
337 0400

Arco Vara Kinnisvarabüroo OÜ representatives

 514 1045
514 1045
555 222 55
565 076 37
565 076 37
565 076 37
565 076 37
565 076 37
512 4236

Colliers International Advisors OÜ

 616 0777

Domus Kinnisvara Vahendus OÜ

 646 4035
742 3100
443 1154
356 6411
433 4411
453 6433

Eri Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.eri.ee
606 0077

Kaanon Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.kaanon.ee
665 9585
735 0850

Kinnisvaraekspert OÜ

Kinnisvaraekspert Pärnu OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
 626 4250
442 0700

Lahe Kinnisvara

 608 0530
5622 2313
512 4565
5645 8687

LVM Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.lvm.ee
  • 4 477 000
  • 56 56 8000
452 6044
  • 68 43 700
  • 5694 1700
710 2000

Newsec Valuations EE OÜ

  • Area: whole Estonia
  • Property type: commercial property
  • www.newsec.ee
5346 8308

Ober-Haus Hindamisteenuste OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.ober-haus.ee
6 659 700
7446 500
33 70 768

Pindi Kinnisvara OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.pindi.ee
  • 610 3900
  • 512 0280
482 1408
744 1116
  • 447 1075
  • 521 4985
357 5115
327 7100
452 9500
384 6015
610 3903
433 0111
472 0830
332 7676
786 0936

Pindi Kinnisvara OÜ representatives

 514 9289
5667 9221
504 2164
501 3658
5551 5382

RE Kinnisvara AS

  • Area: Harju- ja Raplamaa
  • Property type: residential and commercial property
  • www.re.ee
6 688 666

Uus Maa Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • www.uusmaa.ee
627 2600
744 1144
442 0380
322 3601
337 9750
520 4955
435 1361
58 14 5068
56 241 810
53 73 0096

View the financing eligibility of your business

The financing eligibility of your business is based on its latest annual report. Responsible corporate behaviour creates easier and more favourable access to funding.

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  1. Log in to the Internet Bank.
  2. View your financing eligibility level.
  3. Identify your strengths and weaknesses.
  4. If you do not see the financing eligibility level of your business or if you have any questions, please book an appointment for a personal consultation.

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:   EUR.

Equity ratio is:  %.

The bigger the self contribution in a company’s assets, the lower the credit risk related to the company.

EBITDA Earnings before interest, taxes, depreciation and amortization   EUR.

A company’s ability to generate profit is an important factor in financial eligibility evaluations.

A company should have enough cash 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

Your company’s credit history is one of the most important factors in determining your loan eligibility. Normally, this means reviewing the payment history of your company, other companies related to it and key people involved. You can find more information about the personal data processing here.

Timely payments of existing and past loans held by your company with Swedbank is one of the key elements of the financial eligibility of both the company and related individuals.

The status of payment discipline at your company and its group members in respect to third parties helps us understand whether your company is a responsible partner.

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 loan applications.

A completed and up to date Customer data questionnaire is a prerequisite for applying for a loan from Swedbank.

A sustainable and long-term relationship with the bank creates beneficial conditions when applying for financing.

Blocked accounts can be a clear indication that a company is experiencing difficulties.

The longer your business has been operating, the more trustworthy it is for us.

Legal persons

Effective as of 01.10.2020
Investment loan, working capital loan
Application of investment loan, working capital loan 1% of the loan amount, but no less than 200 €
Amendment of the agreement 1% of the loan/limit amount, but no less than 200 €
Early loan repayment fee 1,5% of the amount repaid early
Overdraft, revolving credit line
Application 1% of the limit amount, but no less than 200 €
Amendment of the agreement 1% of the loan amount, but no less than 200 €
Obligation fee 2% of the unused credit limit
Apartment association loan
Application 1% of the loan amount, but no less than 200 €
Amendment of the agreement 1% of the loan/limit amount, but no less than 200 €
Early loan repayment fee 1,5% of the amount repaid early

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.

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, 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
  • Suitable for renovation of buildings in order to reach primary non-renewable energy demand savings of at least 30%.
  • For construction of new energy efficient buildings.
  • For acquisition of energy efficient buildings.
Criteria for loan
  • Loan amount from EUR 5,000.
  • Term up to 5 years (payment schedule up to 10 years).
  • Obligation to provide annual energy consumption data for all collateralised real estate properties.
  • The financed property has to be set as a collateral and must have a valid EPC throughout the loan period.
  • Reduced interest rate. In the event of a breach of certain undertakings regarding fullfilment of loan criteria and information submission, the interest rate will be increased to the standard customer-based interest rate indicated in the loan agreement.
  • Fill out the application in the Internet Bank or contact your client manager.
  • We will contact you within 2 business days.
Additional documents to apply for the loan

To make life simpler for you, you can contact our partner R8 Technologies who has high-level expertise in preparing the package of required information, processing, and validating data for compliance with the loan criteria.

For renovation of buildings in order to reach primary non-renewable energy demand savings of at least 30%

For construction of new energy efficient buildings

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

or

  • EPC class A and BREEAM certificate ‘very good’ or LEED ‘gold’.

*Read more, Table 3

For acquisition of energy efficient buildings built before 31/12/2020

  • By construction year
  • The building has an EPC class A

or

  • The building is in the top 15 % of the national building stock according to actual primary energy demand in the EPC.

For acquisition of energy efficient buildings built after 31/12/2020

  • By construction year
  • The primary non-renewable energy usage level should be 10% below the regulatory threshold for Nearly Zero-Energy Building*.

or

  • The building has an EPC class A and BREEAM certificate ‘very good’ or LEED ‘gold’.

*Read more, Table 3

  • Current EPC and estimated new energy consumption calculation after renovation.
  • Renovation project and estimated renovation end date.
  • EPC certificate
  • Estimated construction end date
  • BREEAM (Interim Certificate: Design stage) or LEED certificate, if applicable
  • For buildings larger than 5,000 m2, if available, LCA (Life Cycle Assessment) or the extract from the environmental certificate showing GWP (Global Warming Potential) calculations.
  • Construction year
  • Valid EPC
  • If data is available, document proving existence of smart building management systems (BMS): Energy performance Contract or Building automation and control system contract or other document confirming it.
  • Construction year
  • Valid EPC
  • BREEAM certificate or LEED certificate, if applicable
  • For buildings larger than 5,000 m2, if available LCA (Life Cycle Assessment) or the 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. Read more
EPC is an Energy Performance Certificate.
LEED (Leadership in Energy and Environmental Design) is the world’s most 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. Read more
Nearly Zero-Emission Building is a building that has a very high energy performance. The energy consumption is very small or almost non-existent and must be produced locally or in the vicinity from renewable energy.
Primary energy demand refers to the total amount of energy required for the production, conversion, and transmission of energy so that it reaches the end user in a usable form. This includes all energy sources before their conversion into other forms of energy, such as electricity or heat. Primary energy consumption accounts for all produced or imported energy, including fossil fuels like oil, gas, and coal, renewable energy sources such as wind, solar, and hydro energy, as well as nuclear energy.

R8 technologies is able to offer Swedbank clients a comprehensive certificate indicating compliance with loan criteria.

  • Founded in 2017, R8 Technologies is the leading AI technology company for Commercial Real estate. At present, the Estonian company manages 4 million m² of commercial real estate across Europe, including shopping malls, hotels, offices, and public buildings.
  • R8 Digital Operator is an easy-to-launch software solution that does not require any additional hardware installation to maximize heating, ventilation and air conditioning (HVAC) performance. The AI solution constantly learns building dynamics and accounts for external factors to improve energy efficiency, reduce operational costs, and meet sustainability goals.
  • R8 Digital Operator is a human-centric AI solution developed by R8 Technologies that optimizes energy consumption 24/7 while maintaining the desired indoor comfort in the building with real-time autonomous control capabilities.
  • More info here.

Contact information:

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 solution.
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Contacts

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SWEDBANK AS
Liivalaia 8, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

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Legal information

This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.