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.

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.

A capital loan is a subordinated loan that is useful when a company wishes to fund rapid growth with a loan but lacks the self-financing or sufficient collateral required by the bank.

An export loan is useful when a company wishes to offer a foreign buyer a long payment term, pay a credit insurance premium or finance production of goods to be sold to a foreign buyer.

A starter loan is useful if the company start-up phase is hindered by lack of seed capital and the company lacks sufficient collateral and history for obtaining a bank loan.

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.