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Loan for solar panels

The next sustainable step of your business is solar electricity

  • New! Financing without strong collateral up to 50,000 EUR with EIF Guarantees.
  • 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.
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 result of the calculator is provisional and does not constitute a commitment by the bank to grant credit.

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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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.
  • 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.
  • EIF guarantees

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 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 Guarantee is provided with the ultimate purpose of enhancing access to finance in line with defined policy objectives. The guarantee programme also helps financing necessary investments if an enterprise does not have sufficient collateral.

Guarantee program for medium-sized enterprises “InvestEU SME Guarantee”

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

Main conditions:

  • The maximum amount to be financed is up to EUR 2,000,000.
  • Fixed assets and working capital are financed.
  • The guarantee is free of charge.

Applies to companies with:

  • Up to 250 employees.
  • The annual turnover up to 50 million EUR, or the balance sheet total up to 43 million EUR.
  • Operating for more than 12 months.

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

 Guarantee program for micro-enterprises “InvestEU Micro Guarantee”

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

Main conditions:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to EUR 50,000.
  • The guarantee is free of charge.

Applies to companies with:

  • Up to 9 employees.
  • The annual turnover up to 2 million EUR, or the balance sheet total up to 2 million EUR.
  • Operating for more than 12 months.

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 from the European Union under the InvestEU Fund. The InvestEU Fund is designed to support policy objectives of the European Union by means of operations that contribute to (i) the competitiveness of the European Union; (ii) growth and employment in the European Union economy, the sustainability of the European Union economy and its environmental and climate dimension; (iii) social resilience; (iv) the promotion of scientific and technological advances, of culture, education and training; (v) the integration of the European Union capital markets and the strengthening of the internal market; (vi) the promotion of economic, social and territorial cohesion; or (vii) the sustainable and inclusive recovery of the European Union economy after the crisis caused by the Covid-19 pandemic.

Additional information can be found on the information page provided by the European Commission.

European Investment Fund

Agreements signed by UAB ILTE 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 2 812 500, but:

  • For companies active in the primary production of agricultural products – EUR 234 375.
  • For companies engaged in the primary production of fishery and aquaculture products: EUR 375 000.

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 R2023/2831 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 UAB ILTE Portfolio Guarantees 3, click here.

For further information on UAB ILTE 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 UAB ILTE, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted UAB ILTE 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 UAB ILTE, on the basis of which a holding fund, UAB ILTE Fund, was established and the functions of its manager were delegated to UAB ILTE.
  • 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 UAB ILTE risk-sharing loans, click here.

For further information on UAB ILTE 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 UAB ILTE, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted UAB ILTE 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 UAB ILTE, on the basis of which a holding fund, UAB ILTE Fund, was established and the functions of its manager were delegated to UAB ILTE.

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 UAB ILTE risk-sharing loans, click here.

For further information on UAB ILTE 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 UAB ILTE, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted UAB ILTE 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 UAB ILTE, on the basis of which a holding fund, UAB ILTE Fund, was established and the functions of its manager were delegated to UAB ILTE.

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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verslas@swedbank.lt

„Swedbank”, AB
Konstitucijos pr. 20A, 09321 Vilnius, Lithuania
SWIFT code HABALT22
Legal entity code: 112029651

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