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Financial health evaluation

Financial Health of Your Company

Business owners start their businesses because of an idea, not because they are masters in finance management. Knowing where your business stands is a perfect place to start the journey to sustainable finance.

  • Check financial health of your company.
  • Learn about financial indicators that require your attention.
  • Improve your knowledge with in-person consultations.
  • Find out your company’s financing eligibility score.

Check your company credit score to evaluate its financial health

Your company’s credit score and at the same time - loan eligibility - is based on your latest financial statement.

Take a test to see your personal financial health condition.

Credit score

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  1. Log in to the internet bank.
  2. Check your credit score.
  3. Find out your eligibility for financing.
  4. Discover your strengths and weak points.

Credit score

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  1. See your credit score.
  2. Get full extent credit report from our partner Finpass.

How we evaluate your company’s credit 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.

Strengthen your business financial health

Individual consultations with corporate finance management expert

Individual consultations with finance expert, coach and Swedbank Small Business Academy alumni Audrius Rubinas.

  • Together you will evaluate your company financial health.
  • Build individual plan how to strengthen your corporate financial health.
  • Follow-up on your progress.
  • Consultations are balanced to meet different needs of existing and new businesses.
  • Consultations are gift from Swedbank.

6 tips to company's financial health

Consume financial and business knowledge

A major precondition to be successful in business is to feel free in different business’s related financial options. The knowledge helps to understand different financials of your company, allows you to predict the potential financial future and use different financial services for more efficient business management. Different studies show that companies owned by business owners having better financial knowledge are more successful.

Read more

Plan your company’s finances

The same as in your private life, planning is really important for your business successes. Manage your business, not letting your business to manage you. Practice short-term financial planning that deals primarily with balancing short-term income and expenses, including cash, accounts payable and receivable, and inventory.

Know your expenses and keep track of them, preventing delays, and choosing automatic payments whenever possible.

Long-term finance focuses on building your strategy over time. This should not overlook your plans of expansion, how it’s going to be funded, how you will support your growth including internal affairs and employee benefits.

Create Cash Reserves

Business life is full of surprises and not all of them are pleasant. Be sure that your company’s finances can handle unexpected costs or sudden cashflow decrease. A simple savings account may work for this purpose. However, when building up your business savings, you should also draw out an estimated budget for how much to set aside. A good rule of thumb is to set aside at least 10% of your monthly profits, with up to 6 months’ worth of your operating expenses total in this account, before you start to invest in other instruments that can help increase your cash flow. So, even in the event of the unforeseen, the business will be able to maintain salaries, taxes and other expenses while it develops recovery strategies.

Profitable investments

Try to avoid unnecessary and ‘nice to have’ purchases. Invest only in solutions that will bring your company additional profit. This applies to developing new products and services as well as the formulation of marketing campaigns and financial portfolio investments. Estimation of cost center is inevitable. Know how profitable is every branch or product/service category. You might want to cut the ones that are less profitable and invest in the ones that bring you more in return.

Keep track on your company’s financials and use financial services

Planning finances and keeping track on them is like a hand and glove. Be sure you define the right performance indicators to monitor your company’s financial health. Talk to your bookkeeper. They are able to see the patterns and might help you to build metrics that are easy to read for you. Also, be aware of different financial services that could help your business to perform more efficiently not letting your competitors run you over.

Seek external financing earlier if you plan to expand at a fast pace

Investing all of your assets might rip you off your emergency funds and make it harder to be considered a good candidate for financing once owned resources come short to support the growth.

Read more

Tips from the industry leaders

Lukas Yla, Bolt: ROI: What every business must know? (LT)

Find out more

Sergej Artemiuk, CEO of ACME Grupė: Importance of finance management for business (LT)

Find out more

Rasa Verkauskaitė-Kazanskienė, Swedbank and Dovilė Sinkė, Gomama: (Not) easy path to bank financing (LT)

Find out more

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