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PrivateBusiness

Business loan

Funds to expand your company

  • Financing without collateral up to 25 000 EUR with EaSI guarantees program.
  • Loan from 5000 EUR for your business needs.
  • Possibility to get financing against surety.
  • Easy to apply and sign agreements via Internet bank.

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.

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
  • Suitable for IT development, tools, hardware and other short-term business needs.
  • For covering expenses related to promoting products and services.
  • To buy real estate, agricultural land or other fixed assets.
  • To construct or renovate buildings.
  • Loan amount from 5 000 EUR.
  • Term up to 5 years, for agricultural companies and farmers purchasing agricultural land up to 20 years.
  • Annual interest rate and contract fee is determined individually for each company.
  • Possibility of grace period.

As a precondition to applying for the financing, the corporate customer must have been carrying out business activities for at least 12 months and submit statements for at least one financial year.

  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.

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 into 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 EIF aims at helping to finance and carry out investments in the European Union and ensuring greater access to capital. The guarantee programmes also help financing necessary investments if an enterprise does not have sufficient collateral.

EaSI guarantee

The objective of this program is to increase access to finance for micro-enterprises by offering additional guarantee from the EIF.

Requirements for using the EaSI guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is 25 000 EUR.
  • The company has up to 9 employees.
  • Annual turnover is up to 2 million EUR or the balance sheet total is up to 2 million EUR
  • The guarantee is free of charge.

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 of the European Union under the Guarantee Facility established under Regulation (EU) No 1296/2013 of the European Parliament and the Council establishing a Union Programme for Employment and Social Innovation (“EASI”) and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing. Additional information on EFSI can be found on the information page provided by the European Commission (https://ec.europa.eu/priorities/jobs-growth-and-investment/investment-plan_en) and on Twitter (#investEU).

COSME guarantee

Requirements for using the COSME guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is 1.5 million EUR
  • The company has up to 249 employees.
  • Annual turnover is up to 50 million EUR or the balance sheet total is up to 43 million EUR
  • The guarantee is free of charge.

To get the EIF-supported financing, ask your contact person in the bank or fill in an application.

This financing is made possible thanks to the Guarantee that has been provided by COSME and the European Fund for Strategic Investment ("EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing.

On 19 July 2017, INVEGA and Swedbank AB signed an agreement on the basis of which INVEGA issued a guarantee in favour of Swedbank AB thanks to which the bank intends to provide as much as EUR 25.275 million in financing to small and medium-sized business entities. The programmes also help financing necessary investments if an enterprise does not have sufficient collateral.

Loan amount

  • Portfolio guarantees for loans financed by the European Regional Development Fund: the maximum loan amount is EUR 1,875,000, or EUR 937,500 for companies engaged in road freight transport.
  • Risk-shared loans financed by the European Regional Development Fund: the maximum loan amount is EUR 4,000,000.

Requirements for loan recipients and loans

  • Loans granted with an INVEGA portfolio guarantee are Investment loans (for investments in tangible and intangible assets) and Working capital loans (short-term loans to meet the company's working capital needs).
  • A loan may only be granted to finance potentially economically viable activities related to the establishment, development or strengthening of SMB entities, or to implement new projects, to enter new markets, or for already established SMB entities to carry out new activities.
  • SMB entities that have less than 250 employees.
  • Annual income does not exceed EUR 50 million and/or the value of assets listed in the company's balance sheet does not exceed EUR 43 million.
  • There is no limit on the number of loans per loan recipient, provided that the total loan amount does not exceed the de minimis aid threshold.

More information about INVEGA portfolio guarantees is available here.
More information about risk-shared loans is available here.

When applying for a loan, the following documents must be submitted:

  • application;
  • SMB entity status declaration, according to the form and instructions for completion approved by Order No 4-119 of 26 March 2008 of the Minister of Economy of the Republic of Lithuania on the Description of the Procedure for Declaring Small and Medium-sized Business Entity Status and the Form for the Declaration of Small and Medium-sized Business Entity Status;
  • a declaration of one company according to which the right of the loan recipient to receive the general de minimis aid granted to one company is verified, which must be completed according to the recommended form prepared and published by the Ministry of Economy of the Republic of Lithuania;
  • a business plan;
  • financial statements for the past two financial years.

In order to receive additional information about INVEGA portfolio guarantees and/or submit an application and other documents, please email us at verslas@swedbank.lt or call +370 5 268 4422.

This financing is made possible thanks to the Ministry of Economy of the Republic of Lithuania, the Ministry of Finance of the Republic of Lithuania and UAB Investicijų ir Verslo Garantijos (hereinafter referred to as "INVEGA") signed a trilateral agreement on the basis of which the Business Financing Fund Financed by the European Regional Development Fund (hereinafter referred to as "the Fund") was established, with the functions of its manager entrusted to INVEGA.

Loan for purchasing and installing solar panels, wind turbines, heat pumps.

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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