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Loan

Funds to expand your company

  • EIF Guarantee aims to enhance access to finance.
  • Loan for construction, renovation or acquisition of energy efficient buildings with reduced interest rate.
  • Loan from 10 000 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.
  • 208EUR
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Loan payment schedule sample

Payment Balance Principal repayment Interest payment Monthly payment
0 0.00 0.00 0.00 0.00

What is it for?

  • 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.

Main conditions

  • Loan amount from €10,000.
  • 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.

Possible collaterals

  • If a loan limit is up to €20,000 and turnover is deemed sufficient, security is guaranteed by EIF.
  • EIS or Rural Development Foundation surety.
  • Owner’s or board member’s surety.
  • Mortgage on real estate property or agricultural land.
  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.

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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What´s next?

  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.

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.

InvestEU SME Guarantee

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.

InvestEU Micro Guarantee

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

What is it for?

  • 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

Main conditions

  • 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.

How to apply

  • 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.

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SWEDBANK AS
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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.

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