Investment loan

  • Investment in fixed assets: equipment and industrial premises;
  • Investment in means necessary for a business project implementation;
  • Investment in other enterprises thus enhancing the company’s activities.

Should you have any questions related to financial information of your enterprise, please login to the Internet Bank or contact us by calling 1633. For calls from abroad: +370 5 268 4422.
Loan amount and term:
  • The loan term – from 12 months;
  • The minimum loan amount – EUR 6,000 or a respective amount in another foreign currency;
  • The maximum amount of the loan shall be established in line with the requirements of the Bank of Lithuania;
  • For a startup business or field of activities, 60% of the project estimate can be granted;
  • For an enhancing business or field of activities, 70% of the project estimate can be granted;
  • The loan amount may not exceed 70% of the market value of the property being pledged when land or buildings are pledged;
  • The amount of the loan may not exceed 50% of the market value of the property being pledged when land or constructions are pledged;
Loan security:
  • The loan can be secured by pledging land and buildings, other movable and/or immovable property and financial funds (deposit and bank account), guarantees and commitments;
  • Usually the object of the investment is pledged;
  • If necessary, other means of loan security can be acceptable to the Bank.
Main conditions for receiving the loan:
  • The enterprise must have a bank account at Swedbank;
  • The property being pledged must be evaluated by independent appraisers acceptable to the bank;
  • The immovable property must be insured in favour of the bank at an insurance company acceptable to the bank; the insurance coverage should be continuously valid for the entire loan period;
  • The movable property must be insured in favour of the Bank at the market or balance price at an insurance company acceptable to the bank; the insurance coverage should be continuously valid for the entire loan period.
Loan repayment and interest:
  • A variable interest rate, which depends on the reference interest rate, shall be set for an investment loan;
  • Interest shall be calculated from the date the funds are written off the loan account to the loan full repayment date;
  • Interest shall be charged each month and shall be paid before the last working day of each month;
  • The loan shall be repaid in equal shares, which are set by dividing the amount of the loan by the period for which the loan has been granted, i.e. the number of months less the period of grace.

Information regarding potential risk

Improper fulfilment of your financial obligations increases your funding costs and can negatively affect your credit history; moreover, if the agreement is terminated due to a material violation on your side, forced debt recovery may be launched and you may lose your ownership right to the pledged property.