Financing companies - operating companies

We offer operating companies various kinds of loans and guarantees. In addition, companies with major growth potential can use funds from sub-funds in which KredEx has a holding.

Since our founding, we have helped to finance the projects of 3,500 companies through loan guarantees. KredEx support has given them access to 1.4 billion euros, of which our guarantees make up 760 million euros. Over 12,000 new jobs have been created by turning their ideas into reality.

Examples of companies that have been given wind beneath their wings by our loan guarantees:

  • Coffee People
  • BredenKids
  • Torm Metall
  • Tahe Kayaks
  • SRC Group

A KredEx loan guarantee is a boost first and foremost for companies who are looking to raise external funding but lack collateral, history and self-financing.

The guarantee can cover up to 80% of the loan, leasing and bank guarantee, with a ceiling of 5 million euros. There is no limit on the loan amount.

In cooperation with other finance providers, we can find a solution to complicated and large-scale projects as well.

Services for operating companies

A loan guarantee is useful if a company wishes to use a bank loan, a lease or bank guarantee but lacks sufficient collateral or operating history to be issued a loan.

NB! KredEx surety can only serve as an additional guarantee for a new obligation (bank loan, lease transaction or bank guarantee).

An industry loan is useful if a company wishes to use a bank loan or lease for making an investment but lacks self-financing. In such a situation, an industry loan, being a subordinated loan, can increase the company's self-financing in the eyes of co-financing sources.

The KredEx capital loan is a subordinated loan targeted at fast-growing companies with a proven business model and excellent development potential. The purpose of a capital loan is to finance activities aimed at increasing the competitiveness of a company through its development or expansion.

The KredEx export loan is intended for financing transactions involving the export of goods produced in Estonia, and the loan is issued to an Estonian exporter. The purpose of the export loan is to provide the foreign buyer with a repayment term of at least two years, and to finance the payment of the credit insurance premium and, if necessary, the production of goods to be sold to the foreign buyer.
The KredEx start-up loan is intended for small and medium-sized enterprises that have been operating for up to three years, for financing their company investments and/or circulating capital.
KredEx is providing venture capital through funds of funds to help Estonian start-up companies and well-established and fast-growing companies expand and finance their growth.