Navigate to main page content
PrivateBusiness

Business loan

Provide your contact information and we will call you within 1 - 2 business days!
+370

Swedbank AB is processing personal data according to the „Swedbank” AB Principles of processing personal data, which are available on the Swedbank AB webpage www.swedbank.lt under Terms and Conditions and in customer service locations of Swedbank AB.

Thank you! Your application form is sent. We will contact you in the 1-2 business days by phone or email. If you need information urgently, please call us at 1633. Phone for calling from abroad +370 5 268 4422. Failed to submit the application!

Bring in business stability with business loan

  • Long-term loan for business expansion or short-term loan for working capital.
  • Loan from 5000 EUR for your business needs.
  • Refinancing of existing business loans.
  • Access to loans through INVEGA programmes.
  • 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
Apply

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.

  • Pledge of account balances in Swedbank (in all cases).
  • The investment object itself needs to be pledged.
  • Pledge of land and buildings, other movable or immovable property.
  • Sureties and guaranties.
  • INVEGA programs.
  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.

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.

See your company‘s score

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

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.

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.

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.

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.

Swedbank logo

Jūsų Internet Explorer naršyklė nebepalaikoma.

Prašome naudoti Google Chrome, Mozilla Firefox ar Microsoft Edge naršykles.

Nuo 2021 03 23 nebebus galima jungtis prie „Swedbank“ interneto banko naudojantis naršykle „Internet Explorer“.

Taip pat nebebus galima tvirtinti ar vykdyti mokėjimų iš „Swedbank“ kituose tinklalapiuose naudojantis „Internet Explorer“.

Siūlome Jums naudotis naršyklėmis „Google Chrome“, „Mozilla Firefox“ ar naujausia „Microsoft Edge“ versija. Norėdami sužinoti, kaip įdiegti naršykles spauskite čia.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Swedbank
  • Jūsų įrenginio operacinė sistema ir interneto naršyklė yra pasenusi ir nėra palaikoma Swedbank interneto banke. Prašome atnaujinti operacinę sistemą bei interneto naršyklę arba kreiptis į IT specialistus techninės pagalbos.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

Thank you for the visit!

We hope that Internet bank measured up to your expectations. If you have any comments or proposals, please send them to verslas@swedbank.lt

For security reasons, please close the browser window!
Remote conference

Remote conference on small business strengthening

Five principles of marketing

Keynote speaker Vadimas Komarskis, Omniva LT.

The Small Business Academy. Marketing and sales week.

Watch the conference
Remote conference

Remote conference on small business strengthening

Homework before entering a foreign market

Keynote speaker Evaldas Mockus, Omnisend.

The Small Business Academy. Marketing and sales week.

Watch the conference