50 000 EUR
funding without collateral
3.5%
with a 3-month EURIBOR
7 years
loan term
Altum
and owners guarantee
Solar panels
Invest in renewable energy not monthly bills
- Loan without a additional pledge
- Easy application
- Lower interest rate
Electric car charging stations
Provide your customers and employees the possibility to charge e-cars
- Loan with no additional pledge
- Easy application
- Lower interest rate
Price list
| Service | Fee |
|---|---|
| Revision of the application | Free of charge |
| Processing of a loan, increasing of the limit (% of the amount of the increased limit)1 | 1%, min 150.00 EUR |
| Reserving loan resources (calculated in % for the unused amount of the granted loan) | 0,5% |
| Repayment of the loan before maturity (% of the amount repaid before maturity) | 2%, min 100.00 EUR |
| Prolongation of a loan maturity1 | 0,5%, min 150.00 EUR |
| Other changes to the loan agreement on the customer's initiative (% of the loan balance)1 | 1%, min 150.00 EUR |
| Additional services | |
| Preparation of documents and applications needed for crediting services | 15.00 EUR/hour |
| Preparation of loan agreement and collateral agreements in electronic format | Free of charge |
| Preparation of loan agreement and collateral agreements in paper format | 35.00 EUR |
| Preparing, drafting and approving bank's consents/authorisations and other documents upon the customer's request | By agreement, min 70.00 EUR |
| Printout of information from LURSOFT database (financial statements, full information about the company, etc.) upon the customer’s request | 10.00 EUR (plus VAT 2.10 EUR) |
| Confirmation of loan issuance | By agreement, min 30.00 EUR |
1 The commission fee must be paid on the day the agreement or amendments are signed.
Required documents
- A completed loan application
- The latest annual report with the transcript of balance sheet and profit or loss account items
- Description of investment project
- Declaration on the enterprise’s qualification for small or medium-sized commercial company category (LAT)
- De minimis form
Solar panels from Ignitis Latvija
Ignitis has more than 80 years of experience in the energy market. The company works only with equipment that meets the highest quality standards, so it can provide excellent performance and long-term guarantees. www.ignitis.lv
- Individually developed solutions
- Efficiency guarantees
- Support from experienced experts
Is your company eligible for a loan with ALTUM guarantee?
- Comply with the status of small and medium-sized enterprises according to CoM Regulations No. 776 (LAT)
- Comply with the state-granted de minimis aid limit. It sets a maximum threshold of state aid granted to a company over the last three fiscal years amounting to EUR 200,000 (in automotive – amounting to EUR 100,000). See more on de minimis conditions on the website of the Ministry of Finance (LAT)
- Comply with economic activity, which is not on the ALTUM-list of prohibited industries
ALTUM guarantee raising is subject to a guarantee charge, which varies depending on the credit amount and term.
In case your company is not eligible for ALTUM guarantee, we can offer microloan with an interest rate starting from 8% with a 3-month EURIBOR.
It is also possible to issue an ALTUM individual loan guarantee if the amount of financing exceeds EUR 50 000.
More financing solutions
Renew your car fleet using the special conditions of our green leasing
To support sustainable business decisions we offer special interest rate for battery powered electric vehicles.
- Special interest rate for new and used (up to 2 years) battery powered electric vehicles: 1,45% + Euribor
- First deposit for operating and financial lease starting from 10%
- Special price for CASCO insurance
Valid if the purchase was made from SEB līzings cooperation partners
Investment loan
Expand your business and acquire fixed assets without using working capital.
Microloan
Financing up to 50 000 EUR without a commercial or real estate collateral.
Financing for agricultural companies
Different financing options to support the growth of companies active in agricultural sector.
