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When financial difficulties are encountered

We are ready to help you overcome these challenges

Long-term and sustainable cooperation with clients is one of our key goals. Since a business situation has been lately changing every day, we are ready to be your trusted business partner during both a successful period and tough times.

Even if a situation seems to be complicated, consulting a bank specialist in order to find a way out may help avoid negative consequences due to overdue payments. If you experience any difficulties with regard to fulfilment of your current financial obligations, please submit an application for a grace period for loan/leasing payments with or without maturity prolongation.

Fill in an application
  • Grace period. Loan/leasing payments will be deferred for chosen period and deferred payments will be proportionally added to the outstanding loan/leasing payments for the remaining agreement maturity that is not changed (in this case, the amount of monthly payments will increase after the grace period is over).
  • Grace period and maturity prolongation. The loan/leasing maturity will be extended for chosen period and each loan/leasing payment will be deferred for this period.
  • Maturity prolongation. The loan/leasing maturity will be extended for chosen period (in this case, the amount of monthly payments will decrease)
  • We have the right to refuse to grant your application.
  • A grace period is applicable only for loans, repaid amounts whereof cannot be granted repeatedly, and for leasing. If you would like to change the terms and conditions of the credit line, overdraft, direct payment loan, business credit card, guarantee limit, factoring or operational leasing, please submit your application by writing a free-form message on the Internet Bank for Business.
  • You should also write a free-form message if you are not satisfied with our offered grace period possibilities.
  • The application is not applicable for private persons’ loans or leasing – if you have such, you may submit an application for a grace period of payments through the Internet Bank for private clients.
  • A grace period is applicable only to the payment of principal of loan/leasing – you will continue paying the interest, insurance premiums and other payments as per the agreement.
  • We would like to note that the credit history of the customer has a direct influence on the credit terms and sometimes can reduce possibility of obtaining a credit in future.
Fill in an application

Answers to many questions about the changes in banking services due to quarantine are available here.

Swedbank has concluded an agreement with the state-established financial institution INVEGA on the implementation of the business promotion measure “Loans to businesses most affected by COVID-19”. Loans from the funds of this measure were provided until 31.07.2020. Swedbank acts as an intermediary between INVEGA and borrowers and lends the funds at INVEGA’s at risk and expense. Swedbank may transfer its claim under the loan agreement to INVEGA. The granting of the loan involves state aid to the borrower. Click here to find out more about the terms and conditions of this measure.

  • The maximum duration of the loan is 72 months. The borrowers who have concluded an agreement for a shorter period and who wish to extend the loan term may apply to the bank by submitting a free form request for the extension of the term.
  • Send the filled-in request certified with the authorised electronic signature of the company's manager by e-mail covid19@swedbank.lt
  • Please be informed that the loan interest and/or loan extension fee may be recalculated when extending the term.
  • Loan interest is fixed and its amount depends on the loan duration: up to 12 months - 0.1%, up to 36 months - 0.19%, up to 72 months - 0.69% When extending a loan for a period with higher interest rates, interest must be recalculated on the entire loan amount, applying a higher interest rate for the entire term of the loan from the date of signing the loan agreement. Additional accrued interest is paid after the loan extension, on the next interest payment date.

If the borrower:

  1. received a loan on the basis of an application, registered in the INVEGA database before 19 June 2020 (inclusive) and
  2. applied for the extension of the loan within the first 12 months from the date of signing the agreement; and
  3. requests to extend the loan up to 36 months from the date of signing the agreement,

the loan agreement extension fee does not apply.

In all other cases a standard bank extension fee is applied

Main conditions:

  • Grace period applies only to the outstanding part of the loan.
  • Grace period – up to 6 months, regardless of whether the repayment of the loan has started or not.
  • Delayed repayment can also be delayed.
  • Accrued interest for late payments, as well as unpaid interest (if any), must be paid before the loan agreement is amended.
  • A standard agreement amendment (administration) fee is applied for the loan repayment grace period.

Note: If both the loan repayment grace period and the term are extended at the same time, only one agreement amendment (administration) fee is applied.

Information about potential risks

Improper fulfilment of financial obligations increases your financing costs and may have a negative impact on your credit history, and if the agreement is terminated due to a material breach from your part, debt recovery might be enforced and you may be deprived of the ownership right to the pledged property, whereas in terms of leasing you may not only lose the payments made, but also be deprived of the rights to the financed property.

This offer is not considered to be Swedbank’s obligation to grant financing under the above terms and conditions. An obligation to grant financing will arise only having evaluated the applicant’s documents, made a favourable decision and concluded the respective agreements.

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