Working capital loan

Working capital loan for smaller short-term investments

  • For smaller, short-term investments into fixed assets
  • For project- and activity-based investments
  • Flexible and convenient repayment schedule

To submit a loan application, please send us a copy of last year’s annual report, balance sheet and income statement (not older than 2 months), to the address arilaen@lhv.ee

Application process

  • Complete an application
    Complete a working capital loan application.

  • Submit documents
    Please send the following documents to the address arilaen@lhv.ee: last year’s annual report, balance sheet and income statement (not older than 2 months).

  • Loan analysis
    Your loan manager will contact you in case of any questions.

  • Conclude the agreement
    In the event of an affirmative reply, we will sign the agreement digitally. After the collateral contracts have been concluded, the loan shall be deposited in the company’s account.

Price list and terms and conditions

For whom

Private or public limited company registered in Estonia

Intended purpose

Short-term and smaller project- and activity-based investments

Loan amount

From 25,000 €

Payment term

Up to 3 years

Contract fee

1% of the loan amount, from 350 €

Collateral
  • Mortgage on real estate
  • Guarantee or collateral for a private individual or legal person
  • Up to 80% of KredEx guarantee and 80% of MES guarantee
Requirements for the borrower
  • The company has been in business at least two years
  • The company and persons related to it do not have any payment defaults

Always consider your credit decisions carefully. Take a look at the terms and conditions at lhv.ee/en/working-capital-loan and consult our specialist.

Contact

Marko Kiisa

Head of SME Financing

680 2650

680 2650

marko@lhv.ee

Tanel Oru

Business Loan Manager

684 2295

684 2295

tanel@lhv.ee

Veronika Mäemets

Business Loan Manager

684 6146

684 6146

veronika@lhv.ee

Johan-Martin Logina

Business Loan Manager

684 8286

684 8286

johan@lhv.ee

If you want to apply for a loan in the sum of more than 500,000 €, please contact us so that we can discuss the options.


Indrek Nuume

Member of the Management Board, Head of Business Banking

680 2622

680 2622

indrek.nuume@lhv.ee

Kristiina Säre

Head of Business Banking Department

684 2221

684 2221

kristiina.sare@lhv.ee

Egon Rand

Business Client Manager

680 2768

680 2768

egon.rand@lhv.ee

Maria Oja

Business Client Manager

680 2742

680 2742

maria.oja@lhv.ee

Marin Moks

Business Client Manager

680 2706

680 2706

marin.moks@lhv.ee

Eneli Oras

Business Client Manager

684 6907

684 6907

eneli.oras@lhv.ee

Anu Sillari

Business Client Manager

684 6144

684 6144

anu.sillari@lhv.ee

Lenna Pedras

Business Client Manager

6846 117

6846 117

lenna.pedras@lhv.ee

Taago Hiiesalu

Head of Business Banking (South Estonia)

680 2714

680 2714

taago.hiiesalu@lhv.ee

Arti Albert

Business Client Manager (South Estonia)

680 2749

680 2749

arti.albert@lhv.ee

Rauno Rändla

Business Client Manager (West Estonia)

684 8231

684 8231

rauno.randla@lhv.ee

Urmas Tsahkna

Head of Corporate Banking

680 2752

680 2752

urmas.tsahkna@lhv.ee

Meelis Liivak

Corporate Client Manager

680 2761

680 2761

meelis.liivak@lhv.ee

Jürgen Raag

Corporate Client Manager

680 0446

680 0446

jurgen.raag@lhv.ee