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Accelerate with business loan

  • New! Financing without strong collateral up to 50,000 EUR with EIF Guarantees.
  • Or possibility of compensating loan interest using INVEGA programs.
  • Long-term and short term financing solutions.
  • The possibility of refinancing existing business loans.
Minimum loan amount 5000 EUR

The calculation is approximate and it is not a commitment to provide financing.
  • 0EUR
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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

Businesses operating for more than 12 months:

  • Funding IT development, renovation, and modernization, computer equipment.
  • Buying raw materials.
  • Purchasing tools or equipment.
  • Setting up trading, production, or storage spaces.
  • Investing in advertising, brand recognition, and sales.
  • Purchasing production facilities, agricultural land, or other long-term assets.
  • Building or renovating buildings.
  • Loan amount – from 5 000 EUR.
  • Term – up to 5 years. For agricultural companies and farmers purchasing agricultural land – up to 20 years.
  • The annual interest rate is set individually for each company.
  • The possibility of deferring the first repayment.
  • The possibility of compensating interest using INVEGA programs.

A necessary condition for applying for financing is that the business client must have been operating for at least 12 months and provide financial reports for at least one completed financial year.
  • Pledge of funds in "Swedbank" accounts (in all cases).
  • Pledge of the investment object.
  • Substitution of land and buildings, other immovable and movable assets.
  • Installments and guarantees.
  • INVEGA programs.
  • EIF guarantees.
  1. Fill out the application in the Internet Bank. We will contact you within 2 business days.
  2. Sign the loan agreement digitally or in Swedbank branch.
  3. In case of property collateral needed we ask a valuation report from a real estate agency accepted by the bank.
  4. Register the collateral and procure insurance.
  5. After signing the agreement and registering the collateral, if it is needed, 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 Center of Registers.

How it works?

You’ll get an individual financing eligibility score for your company and an extensive list of elements that make up the score.

This calculation is available for small companies. If the financing eligibility score is not shown for your company, book a consultation to meet with us or contact your manager.

See your company‘s score

Get familiar with the measures used to create the score, learn about the criteria that are important and get to know how to improve your score if needed.

If your financing eligibility score is appropriate, apply for a loan. If it is lower, find out how to improve your score.

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 financial statements are instrumental in the loan application process.

Your equity is:   Eur.

Equity ratio is:  %.

The more of a company’s equity are financed by lenders, the higher the credit risk related to the company. To be in the safe zone, the value of assets financed by the owners should be at least at a moderate level and not negative.

EBITDA   Eur.

The company‘s ability to be profitable is an important criterion for the evaluation of the company‘s creditworthiness. In order to properly assess the opportunities for financing your company we will focus on your EBITDA (earnings before interest, tax, depreciation and amortisation). Also, please note that we evaluate the history of several financial periods and their dynamics.

The company‘s EBITDA must be sufficient to cover both existing and potential additional liabilities (debt). Thus, for the purposes of a financing application, we calculate the ratio between the company‘s existing and potential additional liabilities (debt) and EBITDA. The ratio should be on a safe level, i. e. not exceeding 3.5.

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 and other related legal and/or natural persons, who participate in company‘s activities. 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 financial eligibility of the company.

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 financing applications.

A completed and up-to-date 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 trust we will have in it.

Loan (investment loan, working capital loan, overdraft (credit on bank account), credit line, guarantee limit, and other loans for corporate customers, except loans mentioned below as well as loans subject to separate fees approved).

Service or transaction Fee, EUR
Fee for concluding (managing) the loan agreement 0.4–1.5 % of the amount of the loan (min EUR 120)
Fee for increasing the amount of the loan 0.4–1.5 % of the amount of the loan to be increased (min EUR 120)
Fee for revising interest, extending the loan, revising the schedule of repayment of the loan (not applicable to guarantee limit) 0.4–1.5 % of the amount of the loan (min EUR 120)
Fee for revising other terms and conditions of the loan EUR 80
Commitment fee 0.26–4.71 % of the unused amount of the loan
Commitment fee (applicable to uncommitted credit line and uncommitted overdraft) 0.2 %
Issuance of permits / consents EUR 20

Investment loan for apartment house renovation (Apartment Owners Association)

Service or transaction Fee, EUR
Fee for concluding (managing) the loan agreement 0.7 % of the amount of the loan
Fee for increasing the amount of the loan 0.7 % of the amount of the loan to be increased
Fee for extending the loan 0.5 % of the outstanding balance of the loan
Fee for revising other terms and conditions of the loan EUR 60
Fee for repaying the loan before term provided in the agreement N/A
Issuance of permits / consents EUR 20

Notes:
1. Final charge on a case-by-case basis is determined by a competent loan committee or persons having respective individual expertise.
2. These fees also apply to granting loans to natural persons, if such loans are granted for business financing purposes.

Contracts entered 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.

Main conditions:

  • The maximum amount to be financed is up to EUR 2,000,000.
  • Fixed assets and working capital are financed.
  • The guarantee is free of charge.

Applies to companies with:

  • Up to 250 employees.
  • The annual turnover up to 50 million EUR, or the balance sheet total up to 43 million EUR.
  • Operating for more than 12 months.

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.

Main conditions:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to EUR 50,000.
  • The guarantee is free of charge.

Applies to companies with:

  • Up to 9 employees.
  • The annual turnover up to 2 million EUR, or the balance sheet total up to 2 million EUR.
  • Operating for more than 12 months.

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

Agreements signed by UAB ILTE and Swedbank create additional opportunities for us to provide loans to small, medium-sized and small enterprises in Lithuania. The programmes provide financing for necessary investments or working capital when a company does not have sufficient collateral.

Requirements for companies

  • The number of employees of the company must not exceed 250 persons.
  • The annual turnover of the company must not exceed EUR 50 million and/or the value of the total assets on the company's balance sheet must not exceed EUR 43 million.

The maximum loan amount is EUR 2 812 500, but:

  • For companies active in the primary production of agricultural products – EUR 234 375.
  • For companies engaged in the primary production of fishery and aquaculture products: EUR 375 000.

In any event, the amount of De minimis aid calculated for the amount of the loan granted to the borrower may not exceed the maximum amount of De minimis aid allowed under Regulation 1408/2013 or Regulation R2023/2831 or Regulation 717/2014.

  • Financing of investments in tangible and/or intangible assets and/or working capital.
  • The loan is limited to potentially economically viable activities linked to the establishment, expansion or strengthening of the company.
  • The Credit Line may allow collateral (guarantees) to secure the Borrower's obligations:
    • guarantee of the validity of the offer;
    • contract performance guarantee;
    • advance repayment guarantee;
    • payment guarantee.
  • The number of loans per Borrower is not limited, provided that the De minimis aid threshold is not exceeded.
 application
  • Declaration of small and medium-sized status;
  • declaration by one company,
  • business plan;
  • financial statements for the last 2 financial years.

For more information on UAB ILTE Portfolio Guarantees 3, click here.

For further information on UAB ILTE programmes and/or to submit your application and other documents, please contact us by email at verslas@swedbank.lt or call us on +370 5 268 4422.

This funding is available because of:

  • The tripartite agreement signed on 15 April 2016 between the Ministry of Economy of the Republic of Lithuania, the Ministry of Finance of the Republic of Lithuania and UAB ILTE, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted UAB ILTE with the functions of its manager.
  • The financing agreement signed on 7 April 2009 between the Ministry of Finance of the Republic of Lithuania, the Ministry of Economy of the Republic of Lithuania and UAB ILTE, on the basis of which a holding fund, UAB ILTE Fund, was established and the functions of its manager were delegated to UAB ILTE.
  • The maximum loan amount on Risk-Shared loan is EUR 4 000 000.
  • The maximum loan amount on Portfolio Guarantees for loan is EUR 1 875 000 EUR.

In any event, the amount of De minimis aid calculated for the amount of the loan granted to the borrower may not exceed the maximum amount of De minimis aid allowed under Regulation 1408/2013 or Regulation 1407/2013
  • Financing of investments in tangible and/or intangible assets and/or working capital.
  • The loan is limited to potentially economically viable activities linked to the establishment, expansion or strengthening of the company, or to financing of new projects, the entry into new markets or the new activities of established companies.
  • The number of loans per borrower is not limited, provided that the De minimis aid threshold is not exceeded.
 application
  • Declaration of small and medium-sized status;
  • declaration by one company,
  • business plan;
  • financial statements for the last 2 financial years.

For more information on UAB ILTE risk-sharing loans, click here.

For further information on UAB ILTE programmes and/or to submit your application and other documents, please contact us by email at verslas@swedbank.lt or call us on +370 5 268 4422.

This funding is available because of:

  • The tripartite agreement signed on 15 April 2016 between the Ministry of Economy of the Republic of Lithuania, the Ministry of Finance of the Republic of Lithuania and UAB ILTE, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted UAB ILTE with the functions of its manager.
  • The financing agreement signed on 7 April 2009 between the Ministry of Finance of the Republic of Lithuania, the Ministry of Economy of the Republic of Lithuania and UAB ILTE, on the basis of which a holding fund, UAB ILTE Fund, was established and the functions of its manager were delegated to UAB ILTE.

Maximum loan amount:

  • For small and medium-sized enterprises – EUR 5 000 000;
  • For small and medium-sized enterprises (where road haulage activities are carried out or intended to be carried out for hire or reward) - EUR 750 000.
  • For a large enterprise: EUR 1 500 000,
  • For a large enterprise (where road haulage activities are carried out or intended to be carried out for hire or reward) - EUR 750 000.

Minimum loan amount: EUR 5 000.
  • Financing of investments in tangible and/or intangible assets and/or working capital.
  • Refinancing of investments from enterprise funds (no earlier than within last 6 months before the date of receipt and registration of the guarantee application).
  • The borrower must contribute at least 20 percent of the project's value with his own funds to the financed project
  • When assets purchased, constructed, repaired or reconstructed for loan funds are mortgaged to the bank, participation of enterprises accounting for minimum 20% of the project value
  • The number of loans per borrower is not limited, provided that the De minimis aid threshold is not exceeded.
  • application
  • Declaration of small and medium-sized status;
  • declaration by one company,
  • business plan;
  • financial statements for the last 2 financial years.

For more information on UAB ILTE risk-sharing loans, click here.

For further information on UAB ILTE programmes and/or to submit your application and other documents, please contact us by email at verslas@swedbank.lt or call us on +370 5 268 4422.

This funding is available because of:

  • The tripartite agreement signed on 15 April 2016 between the Ministry of Economy of the Republic of Lithuania, the Ministry of Finance of the Republic of Lithuania and UAB ILTE, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted UAB ILTE with the functions of its manager.
  • The financing agreement signed on 7 April 2009 between the Ministry of Finance of the Republic of Lithuania, the Ministry of Economy of the Republic of Lithuania and UAB ILTE, on the basis of which a holding fund, UAB ILTE Fund, was established and the functions of its manager were delegated to UAB ILTE.
  • For renovation of residential or non-residential buildings to achieve a minimum of 30% primary non-renewable energy demand savings.
  • For the construction of new energy-efficient buildings, whether they are residential or non-residential real estate.
  • For acquiring residential or non-residential energy-efficient buildings.
Criteria for loan
  • Loan amount starting from 5,000 EUR.
  • The loan term up to 5 years. The specific loan term will depend on factors such as collateral and loan amount.
  • There is an obligation to provide annual energy consumption data for all properties used as collateral. This means that you would need to submit information regarding the energy consumption on an annual basis.
  • The financed property must be set as collateral and have a valid Energy Performance Certificate (EPC) throughout the entire duration of the loan.
  • Reduced interest rate. If obligations or information submission requirements are not met, there may be an increase in the interest rate. In such cases, the interest rate may be increased to the standard customer-based interest rate indicated in the loan agreement.
  • Corporate customers applying for financing, must have been carrying out business activities for at least 12 months and also submit financial statements for at least one financial year.
 Additional documents required for the application

To simplify the process, we recommend reaching out to our approved partners who have high-level expertise in preparing the necessary information, processing, and validating data to ensure compliance with the loan criteria.

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

For the construction of new energy-efficient buildings:

  • Total non-renewable primary energy demand for one square meter of the building heated area should be at least 10% lower than normative non-renewable primary energy demand expressed in the Energy Performance Certificate (EPC).

Or

  • A++ class rating Energy Performance Certificate (EPC) and BREEAM certificate rated as "Very good" or a LEED certificate rated as "Gold".

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

  • Energy Performance Certificate (EPC) rating of class A.

Or

  • Based on the Energy Performance Certificate (EPC), the building ranks within the top 15% of the national building stock in terms of total primary energy demand.

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

  • The total non-renewable primary energy demand for one square meter of the building's heated area should be at least 10% lower than the normative non-renewable primary energy demand expressed in the Energy Performance Certificate (EPC).

Or

  • Energy Performance Certificate (EPC) rating of class A++ and a BREEAM certificate rated as "very good" or a LEED certificate rated as "gold".
  • Current EPC and estimated new non-renewable energy consumption calculation after renovation.
  • Renovation project.
  • Estimated renovation end date.
  • Building permit.
  • Estimated construction end date
  • BREEAM (Interim Certificate: Design stage) or LEED certificate, if applicable
  • For buildings larger than 5000 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, a document proving the 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 or LEED certificate, if applicable
  • For buildings larger than 5000m2, if available LCA (Life Cycle Assessment) or the extract from the environmental certificate showing GWP (Global Warming Potential) calculations

BREEAM - It is the world's leading science-based suite of validation and certification systems for a sustainable built environment. It provides a comprehensive framework for developers, designers, and building owners to measure and improve sustainability in their projects. (BRE Group)
EPC - Energy Performance Certificate. An EPC is a document that assesses the energy efficiency of a building.
LEED is the world's most widely used green building rating system developed by the U.S. Green Building Council (USGBC). LEED certification provides a framework for designing, constructing, operating, and maintaining green buildings that are environmentally responsible, resource-efficient, and healthy places to live or work.
NZEB stands for Nearly Zero-Emission Building. It refers to a building that has very high energy performance and low carbon emissions.

R8 Technologies can provide Swedbank clients with a comprehensive certificate that demonstrates compliance with the loan criteria.

  • R8 Technologies is a leading AI technology company for commercial real estate, established in 2017. Currently, 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 developed by R8 Technologies. It does not require any additional hardware installation and aims to maximize heating, ventilation, and air conditioning (HVAC) performance. This AI solution continuously learns the dynamics of buildings and takes external factors into account to enhance energy efficiency, reduce operational costs, and achieve sustainability goals.
  • R8 Digital Operator is a human-centric AI solution that optimizes energy consumption 24/7 while ensuring the desired indoor comfort in the building through real-time autonomous control capabilities.
  • More info https://r8tech.io/certificate

Contact information:
Information regarding potential risks
Improper fulfilment of your financial obligations may negatively affect your credit history, increase the price of credit, and if the agreement is terminated due to material breach on your side, you may lose any payments already made, as well as the any rights to the financed property.
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Contacts

verslas@swedbank.lt

„Swedbank”, AB
Konstitucijos pr. 20A, 09321 Vilnius, Lithuania
SWIFT code HABALT22
Legal entity code: 112029651

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