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A credit line for businesses is a flexible form of financing that allows you to use funds as needed and pay interest only on the amount used. It is an excellent alternative to traditional loans, as it provides your business with additional financial security and accessibility.

How does a credit line work?

• The company is granted a specific credit limit (e.g. up to €100,000).
• The funds can be used at any time and for any business needs.
• Interest is paid only on the amount used.
• Once the amount has been repaid, it can be used again, similar to a credit card
• Advantages of a credit line:
• Flexibility – use the funds only when you need them
• Quick access to financing – funds are available immediately after approval
• Pay only for the amount used – no interest is charged on unused credit limits
• Financial stability for your business – helps to secure working capital and maintain cash flow

A credit line is suitable for:

• Seasonal businesses that need flexible cash flow
• Companies with high turnover that want to optimise payments
• Start-ups and developing companies looking for a reliable source of financing

Working capital financing is an essential solution for companies that want to ensure continuous operations, effective cash flow and stable growth. This type of financing allows companies to obtain additional funds to cover short-term expenses, purchase raw materials, build up inventories or defer payments to suppliers.

Inventory financing – free up frozen capital

If a company needs additional funds but most of its capital is tied up in inventory, inventory financing may be the optimal solution. This service allows you to:

• ⁠Obtain financing based on the value of the company's inventory
• Keep your working capital for other business goals
• Improve cash flow and keep things running smoothly

Reverse factoring – defer supplier invoice payments for up to 90 days

With reverse factoring, companies can extend supplier invoice payment terms up to 90 days, maintaining a stable cash flow and avoiding liquidity problems. This service is particularly useful for companies that regularly make large purchases of goods or raw materials.

• Improve cash flow and preserve capital
• ⁠Avoid urgent payments and maintain good relationships with suppliers
• ⁠Extend payment terms without losing the benefits of cooperation

A collateral-free loan is an excellent solution for companies that need fast and flexible financing without additional collateral.

Such loans are granted based on the company's financial indicators, credit history and risk assessment. The better these factors are, the easier it will be to obtain financing on favourable terms.

Think about financing options in good time!

To ensure better loan terms, it is important to take care of your company's credit history and financial stability. Lenders not only evaluate the financial data of recent years, but also check the company's credit history, which can be a decisive factor in loan approval.

A commercial pledge loan is a type of loan in which a company can obtain financing by pledging its assets, such as real estate, machinery, equipment, vehicles, inventory or accounts receivable.

This loan model provides the company with a larger loan amount and better terms.

How does a commercial pledge loan work?

• The company pledges assets that are used as collateral Based on the pledge, a loan is granted
• Better terms than unsecured loans – lower interest rates and longer repayment terms
• The company continues to use the assets forming the collateral in its operations

Advantages of a commercial pledge loan:

• Higher loan amount – depending on the value of the collateral
• Lower interest rates – compared to unsecured loans
• Flexible repayment terms – tailored to the company's financial situation

Who is a commercial mortgage loan suitable for?

• New companies that have recently started commercial activities
• Companies that want to expand their business and need more financing
• Companies with valuable assets that can be used as collateral
• Companies that want to reduce loan costs by obtaining better interest rates

Refinancing current liabilities allows you to consolidate your existing credit obligations into a single loan with better terms, reducing your company's financial burden and improving cash flow.

How does refinancing work?

• Existing loans and credit obligations are consolidated or restructured with new financing
• The company obtains a lower interest rate and more flexible repayment terms
• Monthly payments are reduced, freeing up additional funds for business development
• Cash flow and financial stability are improved

Advantages of refinancing:

• Reduced interest rates – save on loan costs
• Lower monthly payments – more free funds for your business needs
• More flexible repayment terms – tailored to your company's financial plans
• Better cash flow – improve your company's stability and solvency
• Optimisation of existing loans – combine several loans into one

Who is refinancing suitable for?

• Companies that want to reduce loan interest rates and payments
• Companies with multiple active loans that want to simplify their financial management

Credit for financing debtors is a short-term financing solution for companies that want to receive funds more quickly for invoices that have been issued but not yet paid (debtors). This type of financing helps the company improve its cash flow without waiting for the customer to pay the invoice within 30, 60 or even 90 days.

Key features:

• Release of working capital by accelerating invoice payments
• The debtor's invoices themselves usually serve as collateral
• The loan amount depends on the volume and quality of the invoices (usually up to 80-90% of the invoice amount)
• The term is usually until the invoice payment date (30-90 days)
• The target audience is companies with stable customers who issue invoices with deferred payment terms

Advantages

• Improves cash flow without taking on additional debt
• Flexible solution – financing can be adjusted to the monthly invoice amount
• Reduces the negative impact of late payments on the company's operation

Factoring is an effective debtor financing solution for companies that issue invoices with deferred payment terms. It allows you to convert your unpaid invoices into immediate cash by selling them to a third party (factor) at a discount.

The company immediately receives up to 90% of the invoice amount, and the remaining amount is paid after the customer's payment is received, minus the factoring commission. This solution allows you to maintain a stable cash flow and develop your business without waiting for customers to make payments.

How does it work?

• You deliver goods or services and issue an invoice to the customer
• You submit the invoice to the factor
• The factor pays up to 90% of the invoice amount immediately
• After the customer pays, you receive the remaining amount

Advantages of factoring:

• Improves cash flow and liquidity
• No additional collateral required – invoices are sufficient
• Reduces debtor risk (in the event of non-recourse)
• Accelerates business growth and the fulfilment of new orders
• Opportunity to transfer debtor management to professionals

Factoring is suitable for both small and medium-sized companies operating in the B2B sector that want a stable and predictable financial environment.

Leasing is an effective solution for companies that want to purchase vehicles, industrial equipment or manufacturing equipment without investing the entire amount required up front. It allows you to acquire the necessary equipment while maintaining cash flow and investment flexibility.

Leasing allows you to purchase both new and used equipment, depending on your company's needs and budget.

What can be financed with leasing?

• Light vehicles
• Commercial transport and special equipment
• Agricultural, construction and industrial equipment
• Manufacturing, warehouse or office equipment

How does leasing work?

• You choose the necessary equipment or machinery
• We arrange financing for the purchase, and you can use it immediately
• You make regular payments during the lease term
• At the end of the term, the object becomes your property (in the case of financial leasing) or can be returned/replaced (in the case of operating leasing)

Advantages of leasing:

• You retain your working capital for other business needs
• You can start using the equipment immediately without full prepayment
• Flexible terms according to your company's solvency and plans
• Payments are predictable and easy to include in your budget
• We also finance used items with verifiable origin
• Leasing is suitable for companies in all sectors – manufacturing, logistics, agriculture, construction and others – that want to grow efficiently and manage their investments wisely.

Loans for farmers are a tailored financing solution for farms that want to ensure stable operations throughout the year – from sowing to harvesting – as well as invest in equipment, land or production expansion.

Financing is available for both working capital and long-term investments. The loan is available to small, medium and large farms in all sectors – grain farming, livestock farming, horticulture, etc.

What can be financed with a loan for farmers?

• Seeds, fertilisers, fuel and other seasonal expenses
• Purchase of new or used agricultural equipment
• Purchase of land or redemption of existing land
• Modernisation or expansion of production
• Attracting funds based on EU support payments

Advantages of the loan:

• Suitable for various agricultural purposes – from sowing to the purchase of equipment
• Flexible repayment schedule, adapted to the seasonal income flow of the farm
• No large down payment required – financing also available with little collateral
• Can be combined with EU co-financing
• We also finance equipment, land and infrastructure improvements

Agriculture is a long-term investment – we help you make it happen with understandable, transparent and timely financing.

A loan for real estate development is suitable for entrepreneurs and developers who plan to start or expand residential, commercial or industrial real estate projects. Financing is provided for land acquisition, construction, reconstruction or conversion of existing properties.

In addition to the classic bank or alternative financing model, it is also possible to attract funds through crowdfunding platforms, which allow you to reach investors more quickly and implement projects with a more balanced capital structure.

What can be financed with this loan?

• Construction of apartment buildings and terraced houses
• Development of retail, warehouse or office space
• Renovation and reconstruction of existing buildings
• Purchase of land or preparation for development
• Infrastructure construction (communications, access roads, etc.)

How does it work?

• You submit a project description, estimate and development plan
• We evaluate the possibilities and prepare a personalised financing offer
• Financing can be structured by combining a classic loan with investor attraction through a crowdfunding platform
• You receive the funds and start implementing the project

Financing advantages:

• Co-financing for new construction, reconstruction and commercial properties
• Up to 70–80% of the project value (LTV)
• The financing structure can be adjusted – loan, mezzanine, crowdfunding, etc.
• A fast and flexible alternative to traditional bank lending
• Access to a wider range of investors through reliable crowdfunding platforms

Real estate development loans are a strategic tool that allows you to implement ambitious projects with optimal capital attraction. We will help you find the most effective financing model to take your project from plan to implementation.

Once the documents have been prepared, the financing application is sent on the same working day. A response from the financiers is usually received within 1-3 days.

No, there is no charge for the consultation. The fee for the service
is agreed with each client individually.

We work with all Latvian banks and licensed alternative lenders.