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Investment loan

  • Expand your business without using working capital
  • Build office, warehouse or production premises
  • Acquire fixed assets
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Financing your business investments

Cooperation with EIF's and ILTE guarantee programms for more flexible loan conditions
Up to 7 years agreement term
Starting from 3000 euros
Intrest fixed or floating

Collateral

  • Pledged property for which you take a loan to purchase or renew
  • Immovable and movable property, securities and surety as additional guarantee
  • Cooperation with EIF's for more flexible loan conditions
  • Guarantees of ILTE

Microloan with EIF guarantee

  • Intrest rate starting from 4% + Euribor, agreement fee 300 EUR
  • For companies up to 9 empoyees and turnover up to 2 million
  • Up to 50K EUR without any collateral
  • Supported by  EIF's portfolio guarantee programs
Service Charge
Annual interest rate as agreed

Administration fee for:

  • the loan granting
  • loan maturity extension
  • increase in the loan amount1

from 0.6 per cent of the loan amount,
min EUR 500.00

Credit project analysis and assessment, bank certification or approval issuance 50 per cent administration fee, however, no less than EUR 300.00. Upon entering into a credit agreement it is included into a relevant administration fee.
Commitment fee from 0.7 per cent of non drawn-down loan amount
Loan pre-payment fee min 1 per cent of the prepaid amount (depending on the loan maturity)
Uninsured Collateral Administration Fee (applied if a collateral is a residential real estate object) EUR 20.00 per month
The fee is charged if the collateral is not insured for more than 30 days
Amendment of terms under the loan agreement terms2 if:
1) the loan currency is changed
2) fixed interest rate is replaced with variable interest rate and vice versa
3) variable interest rate portion adjustment period is changed
4) fixed interest rate determination period, start and end is changed
If variable interest rate is applied:
  • 1 per cent of the credit amount, minimum EUR 500.00 on the interest rate adjustment date
  • 1.5 per cent of the credit amount, minimum EUR 500.00 on other days

If fixed interest is applied:

year(s) until expiry of fixed interest rate period percent of the loan amount, min EUR 500.00
up to 1 year 1
1–2 years (inclusive) 1.5
2–3 years (inclusive) 2
3–7 years (inclusive) 2.5
7–10 years (inclusive) 3
more than 10 years 3.5
Amendment of terms in any other cases as agreed, min EUR 500.00

1 The fee is calculated of increase in the loan amount.

2 The fee is not applied in the event of the loan maturity extension or increase in the loan amount.

Simple to apply

1.
Send us
the filled application
2.
We will contact you
with proposal or
additional questions
3.
After
a positive decision,
sign the agreement

Required documents

EIF Guarantee

European Investment Fund logo

Contracts entered into between the European Investment Fund (EIF) and SEB 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 objective of this program is to increase access to finance for micro-enterprises by offering additional guarantee from the EIF.

To get the EIF-supported financing, fill in  application.

Read more about EIF Guarantee 

Other ways to finance your business growth

Business leasing

Leasing for cars, equipment or commercial vehicles for your business.

Want to make sure you find a suitable solution?

  • Our client executives will help you find the suitable financing solution for your business
  • We have a dedicated team of professionals you can trust

Interest risk management for business

  • Financial risk assessment
  • Interest rate swap 
  • Interest rate cap 
  • Interest rate floor 
  • Interest rate collar