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Bring in business stability with our financial tools and instruments

Use the financing options finder to:

  • Find the most suitable financing option for your needs
  • See a side-by-side comparison when several options are available
  • Learn about relevant credit evaluation requirements
  • Apply for financing right when you need it

Information regarding potential risks
Improper fulfilment of your financial obligations increases your funding costs and can negatively affect your credit history; moreover, if the agreement is terminated due to a material violation on your side, forced debt recovery may be launched and and you may lose your ownership right to the pledged property, in the case of leasing, you may lose not only the already paid premiums, but also the rights to the financed assets.

Find the most suitable financing solution for your business

Financial lease

Operating lease

Possibility to return a car to the buyback provider or buy it for residual value at the end of the lease period.

Full-service operational lease

You will gradually cover a part of the car’s value plus chosen maintenance services and the interest within the lease period.

Business Credit Card

Extra funds for everyday needs, transfers from the credit card account.

Business Gold Credit Card

Includes travel insurance in addition to the Business Credit Card features.



Helps to balance working capital needs.


Helps to balance operating cashflow, while waiting the payment of issued invoices.

Monthly payment 0 EUR 0 EUR 0 EUR
Down payment 1
Residual value No unredeemed value
Comprehensive insurance  The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, cases of vandalism, natural disasters, thefts or similar cases). Insurance contributions for Financial lease and Operational lease without services may change within a year with regard to the property market value and valid fees. agree
MTPL (Mandatory third party liability insurance of vehicle users) The insurance covers the damages caused by the vehicle driver to the health or property of a third person. - - agree
Invoice administration We will offer a VIP customer discount on purchases of goods or services in the whole network of our partners, and all invoices will be issued to “Swedbank lizingas”, which will perform the payments. The settlement of the customer with the lease company for the purchased goods or services is postponed until the end of the next month. - - agree
Road assistance 24/7 The service is aimed to assure the mobility of vehicle users 24 hours a day (for example, starting up the vehicle, replacement of a flat tyre, provision of petrol, pulling of a bogged-down vehicle, etc.). - - agree
Processing of insured events Representation of customers’ interests in examining cases of insured events, organisation of vehicle recovery repairs, administration of payment of costs of accomplished works. - - agree
Winter tyres Winter tyres will be provided for your car. - -
Regular maintenance We take care of the technical condition of the leased cars, i.e. we organise maintenance and repairs, which are performed in line with the requirements of the vehicle manufacturer. - -
Replacement and storage of tires Tyre replacement and balancing, wheel replacement and storage of off-season tyres during the whole validity period of the agreement. - -
Vehicle delivery service The car will be delivered as specified in the agreement (delivery of a new car from the car dealership, technical maintenance, tyre replacement, management of insured events). - -
Fuel credit card A “Swedbank lizingas” fuel credit card offers you exceptional discounts, the possibility to postpone the payment for fuel until the next month. - -
Mandatory inspection We ensure timely performance of the compulsory technical inspection of the car. - -
Contract fee 0 EUR 0 EUR 0 EUR
Annual interest rate
  • From 2.29% + 6 month Euribor
  • Environmentally friendly cars from 1.49 + 6m Euribor
  • From 2.29% + 6 month Euribor
  • Environmentally friendly cars from 1.49 + 6m Euribor
Term 3 years 3 years
Collateral - -
  • Issue fee 5 EUR
  • Monthly fee 3 EUR
  • Issue fee 15 EUR
  • Monthly fee 10 EUR
Annual interest rate 18% 15%
Interest free period for purchases Up to 31 days Up to 41 days
Monthly payment 0 EUR
Term Up to 1 year Up to 1 year
Collateral Financed invoice
Contract fee 0 EUR 0 EUR Calculated individually for each company
Annual interest rate Calculated individually for each company

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The calculation is approximate and it is not a commitment to provide financing.
Type of insurance – Standard Comprehensive insurance, deductible for all events, except for theft – EUR 200, theft – 10%, but not less than EUR 200, broken glass – EUR 0 (if the repairs are performed in the repair centre specified by the insurance company).

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


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.


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.


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.

Try it out! Financial tool for business.

To find out which financing option would work best for your company, sign up for a consultation!

Read more

Helps balancing the company’s working capital needs.

Cash against invoice - funding which is perfect in situations when you need to quickly increase the company’s working capital for goods or services sold while waiting for payment.

Expert consultations and tailor-made financing solutions for turning the farm’s plans into reality.

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Swedbank clients can manage workforce for free for 60 days. After that – 50% discount for 6 months.

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