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Working capital loan

  • Increases working capital for financing business expansion
  • Improves company’s cash flow
  • Guarantees seamless business operations 

Agreement term

Up to 1 year

Starting from

3000 euros


  • Immovable and movable property, surety and securities as additional guarantee
  • Guarantees of UAB Investicijų ir verslo garantijos (INVEGA) or Agriculture Credit Guarantee Fund (ACGF)

Required documents


Service fees

Services Charges
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
Amendment of terms in any other cases as agreed, min EUR 500.00

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


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.

Send us the filled application

We will contact you with proposal or additional questions.

After a positive decision, sign the agreement

Other options to finance your business’ trade and purchases


Change your invoices into cash flow. Offer extended payment terms to your clients, without reducing your working capital or sales volume.  


Flexible option for using extra cash, offering the possibility to have a negative balance on company’s account for financing working capital.

Trade financing

Financing and managing the risks of your company’s trades

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