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Loan for renewable energy

The next sustainable step of your business is solar electricity

  • Loan for purchasing and installing solar panels, wind turbines, heat pumps.
  • Interest rate of Euribor (not less than 0) + 3.9% for loans up to 35 000 EUR.
  • For bigger amounts prices is determind individually.
  • Renewable energy production allows for both lower energy bills and sustainable development.

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.

The amount of consumed electricity has been calculated on the basis of single time interval rates effective in Lithuania in the first half-year of 2021. The recommended solar power plant capacity has been calculated on the basis of the assumption that 1 kW solar power plant generates averagely 1000 kWh of electricity per year. The average market price is indicated, which may differ depending on the rates applied by your contractor.

Loan for solar panels

The recommended solar power plant capacity, price and possible savings have been calculated preliminarily, having evaluated average market prices. Your selected contractor will provide you with precise information on solar power plants and help you assess your needs.

The loan amount is preliminary and has been calculated only on the basis of your provided data on electricity needs as well as the average market prices for solar power plants. After you make a decision to acquire a solar power plant and know its price, you may apply for the required loan amount.

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

*Repayment period is preliminary and depends on the price of the specific technical solution and installation.

Predicted savings

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Loan

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  • For purchasing and installing solar panels, wind turbines, heat pumps for the own consumption of a company.
  • The conditions apply to small and medium-sized enterprises and farmers purchasing and/or installing renewable energy equipment for their own use.
  • In order to find the best solar panel, wind turbine or heat pump solution for your company, please contact the suppliers.

Learn more about support for business projects for renewable energy: apva.lt

  • Loan amount from 5,000 EUR.
  • Term up to 5 years. Up to 10 years for the purchase and/or installation of a solar panels.
  • Initial contribution - 30% of the project cost. 0% for the purchase and/or installation of a solar panels with support from APVA.
  • Annual interest rate:

    • for loans up to 35 000 EUR - 3.9% + EURIBOR (not less than 0);
    • for bigger amounts prices is determind individually.

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.

  • Pledge of account balances in Swedbank (in all cases).
  • Pledge of land and buildings, other movable or immovable property.
  • Sureties and guaranties.
  • INVEGA programs.

For the purchase and/or installation of a solar panels with the support of APVA:

  • For loan amounts up to EUR 15 000, no collateral is required.
  • For loan amounts above EUR 15 000, a pledge of movable or immovable property is required.
  1. Consult with the supplier’s experts on the cost of purchase and installation.
  2. Fill out the application via internet banking. We will contact you within 1 business days.
  3. Sign the loan agreement digitally or in Swedbank branch.
  4. In case of property collateral needed we ask a valuation report from a real estate agency accepted by the bank.
  5. Register the collateral and procure insurance.
  6. After signing the agreement and registering the collateral, if it is needed, the money will be transferred to your account.

(i) 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
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.

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).

Agreements signed by INVESTMENTS AND BUSINESS GUARANTIES UAB (INVEGA) and Swedbank create additional opportunities for us to provide loans to small, medium-sized and small enterprises in Lithuania. The programmes provide financing for necessary investments or working capital when a company does not have sufficient collateral.

Requirements for companies

  • The number of employees of the company must not exceed 250 persons.
  • The annual turnover of the company must not exceed EUR 50 million and/or the value of the total assets on the company's balance sheet must not exceed EUR 43 million.

The maximum loan amount is EUR 1 875 000, but:

  • EUR 937 500 for road haulage companies.
  • For companies active in the primary production of agricultural products – EUR 234 375.
  • Companies active in fisheries and aquaculture: EUR 281 250.

In any event, the amount of De minimis aid calculated for the amount of the loan granted to the borrower may not exceed the maximum amount of De minimis aid allowed under Regulation 1408/2013 or Regulation 1407/2013 or Regulation 717/2014.

  • Financing of investments in tangible and/or intangible assets and/or working capital.
  • The loan is limited to potentially economically viable activities linked to the establishment, expansion or strengthening of the company.
  • The Credit Line may allow collateral (guarantees) to secure the Borrower's obligations:
    • guarantee of the validity of the offer;
    • contract performance guarantee;
    • advance repayment guarantee;
    • payment guarantee.
  • The number of loans per Borrower is not limited, provided that the De minimis aid threshold is not exceeded.
application
  • Declaration of small and medium-sized status;
  • declaration by one company,
  • business plan;
  • financial statements for the last 2 financial years.

For more information on INVEGA’s Portfolio Guarantees 3, click here.

For further information on INVEGA programmes and/or to submit your application and other documents, please contact us by email at verslas@swedbank.lt or call us on +370 5 268 4422.

This funding is available because of:

  • The tripartite agreement signed on 15 April 2016 between the Ministry of Economy of the Republic of Lithuania, the Ministry of Finance of the Republic of Lithuania and INVEGA, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted INVEGA with the functions of its manager.
  • The financing agreement signed on 7 April 2009 between the Ministry of Finance of the Republic of Lithuania, the Ministry of Economy of the Republic of Lithuania and INVEGA, on the basis of which a holding fund, INVEGA Fund, was established and the functions of its manager were delegated to INVEGA.
  • The maximum loan amount on Risk-Shared loan is EUR 4 000 000.
  • The maximum loan amount on Portfolio Guarantees for loan is EUR 1 875 000 EUR.

In any event, the amount of De minimis aid calculated for the amount of the loan granted to the borrower may not exceed the maximum amount of De minimis aid allowed under Regulation 1408/2013 or Regulation 1407/2013

  • Financing of investments in tangible and/or intangible assets and/or working capital.
  • The loan is limited to potentially economically viable activities linked to the establishment, expansion or strengthening of the company, or to financing of new projects, the entry into new markets or the new activities of established companies.
  • The number of loans per borrower is not limited, provided that the De minimis aid threshold is not exceeded.
application
  • Declaration of small and medium-sized status;
  • declaration by one company,
  • business plan;
  • financial statements for the last 2 financial years.

For more information on INVEGA’s risk-sharing loans, click here.

For further information on INVEGA programmes and/or to submit your application and other documents, please contact us by email at verslas@swedbank.lt or call us on +370 5 268 4422.

This funding is available because of:

  • The tripartite agreement signed on 15 April 2016 between the Ministry of Economy of the Republic of Lithuania, the Ministry of Finance of the Republic of Lithuania and INVEGA, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted INVEGA with the functions of its manager.
  • The financing agreement signed on 7 April 2009 between the Ministry of Finance of the Republic of Lithuania, the Ministry of Economy of the Republic of Lithuania and INVEGA, on the basis of which a holding fund, INVEGA Fund, was established and the functions of its manager were delegated to INVEGA.

Maximum loan amount:

  • For small and medium-sized enterprises – EUR 5 000 000;
  • For small and medium-sized enterprises (where road haulage activities are carried out or intended to be carried out for hire or reward) - EUR 750 000.
  • For a large enterprise: EUR 1 500 000,
  • For a large enterprise (where road haulage activities are carried out or intended to be carried out for hire or reward) - EUR 750 000.

Minimum loan amount: EUR 5 000.

  • Financing of investments in tangible and/or intangible assets and/or working capital.
  • Refinancing of investments from enterprise funds (no earlier than within last 6 months before the date of receipt and registration of the guarantee application).
  • The borrower must contribute at least 20 percent of the project's value with his own funds to the financed project
  • When assets purchased, constructed, repaired or reconstructed for loan funds are mortgaged to the bank, participation of enterprises accounting for minimum 20% of the project value
  • The number of loans per borrower is not limited, provided that the De minimis aid threshold is not exceeded.
  • application
  • Declaration of small and medium-sized status;
  • declaration by one company,
  • business plan;
  • financial statements for the last 2 financial years.

For more information on INVEGA’s risk-sharing loans, click here.

For further information on INVEGA programmes and/or to submit your application and other documents, please contact us by email at verslas@swedbank.lt or call us on +370 5 268 4422.

This funding is available because of:

  • The tripartite agreement signed on 15 April 2016 between the Ministry of Economy of the Republic of Lithuania, the Ministry of Finance of the Republic of Lithuania and INVEGA, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted INVEGA with the functions of its manager.
  • The financing agreement signed on 7 April 2009 between the Ministry of Finance of the Republic of Lithuania, the Ministry of Economy of the Republic of Lithuania and INVEGA, on the basis of which a holding fund, INVEGA Fund, was established and the functions of its manager were delegated to INVEGA.

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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