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Financing eligibility checker

Find out your company’s financing eligibility score

A company’s eligibility for financing is affected by various factors. Here you’ll find the key metrics that are checked during the credit evaluation.

  • Learn about relevant requirements.
  • Track your financial health.
  • Check recommendations, how to improve score.

Better score will help you to get good financing proposals faster.

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.

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 42 or higher, apply for a loan. If it is lower, find out how to improve your score.

Key metrics

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.

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

Choose the purpose of financing and find suitable loan.

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