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Overdraft

  • Cover unexpected expenses and increase cash flow
  • Use credit for you own discretion
  • Account is balanced with incoming payments
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Cover unexpected expenses and increase cash flow

Agreement term up to 1 year
Financing limit starting from 3000 euros
Use credit for you own discretion
EIS guarantees as collateral

Collateral

  • Pledged property which you purchase or renew with the loan.
  • Immovable and movable property, surety and securities as additional guarantee.
  • It is possible to apply for a guarantee up to 80% of the credit limit from Estonian Business and Innovation Agency (EIS) and up to 80% in rural areas from the Rural Development Foundation (RDF).
  • It is possible to use EIF’s portfolio guarantee

Required documents

  • Filled loan application.
  • Latest annual report and interim report on current financial year.
  • Financial projections.
  • A valuation report if a property is offered as collateral.
  • If you are not a customer of SEB, account opening is needed.

Service fees

Private person

1. Home loan, mortgage loan
- agreement conclusion0.4% of the loan amount, min. EUR 190
- agreement amendment (1)up to 0.4% of the remaining loan, min. EUR 190
- changing the payment datefree of charge
- change of the current account(s) related to the loanfree of charge
- grace period for the principal amount of the loanfree of charge
2. Consumer loan
- agreement conclusion for car purchase1.5% of the loan, min. EUR 75
- agreement conclusion for real estate purchase1% of the loan, min. EUR 75
- agreement conclusion for solar panel purchase1% of the loan, min. EUR 75
- agreement conclusion for improving home energy efficiency1% of the loan, min. EUR 50
- agreement conclusion for other purposes1.5% of the loan, min. EUR 35
- agreement amendment (1)free of charge
- changing the payment datefree of charge
- change of the current account(s) related to the loanfree of charge
- grace period for the principal amount of the loanfree of charge
3. Overdraft
- agreement amendment (1)EUR 15
- changing the payment datefree of charge
4. Student loan
- agreement amendment (1)free of charge
- amending the student loan repayment schedulefree of charge
5. Endowment loan
- agreement amendment (1)up to 1% of the remaining loan, min. EUR 250
- changing the payment datefree of charge
- change of the current account(s) related to the loanEUR 20
6. Limit loan
- agreement amendment (1)up to 1% of the loan limit, min. EUR 35
- changing the payment datefree of charge
7. Other loan-related services
- re-registration of a pledge established on a building into a mortgagefree of charge
- reminder of debtfree of charge
- debt claim letterEUR 5
- certificate on paid interestsEUR 5

(1) All amendments to the loan, which have not been indicated under separate clauses in the price list (incl. amendment of collateral in a notarised or other form).

Legal entity

1. Investment loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
2. Working capital loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
3. Overdraft
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
- increasing the loan amount/limit 1% additional loan amount/limit, min EUR 200
4. Start-up loan
- agreement conclusion 1,5% of the loan amount
- agreement amendment 1% of the remaining loan /limit, min EUR 200
5. Apartment building renovation loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
6. Other loan-related services
- contractual penalty for the violation of any other non-monetary obligation stipulated in the loan agreement up to 5% of the loan amount outstanding at the moment of violation
- re-registration of a pledge established on a building into a mortgage free of charge
- reminder of debt free of charge
- debt claim letter EUR 5

Simple to apply

1.
Send us the filled application
2.
We will contact you with proposal or additional questions
3.
After a positive decision, sign the agreement

Cooperation with the European Investment Fund (EIF)

EIF logo

Contracts entered into between the European Investment Fund (EIF) and SEB enable us to provide loans and leasing services to micro, small and medium-sized enterprises in Estonia, Latvia, and Lithuania. The Guarantee is provided with the ultimate purpose of enhancing access to finance in line with defined policy objectives.

To get the EIF-supported financing, fill in  application.

Submit application 

Cooperation with EIS

In cooperation with EIS we offer the option to get additional collateral (guarantee) to companies that need to increase the access to financing solutions.

In addition we offer entrepreneurs of the processing industry an industry loan in cooperation with EIS.

Options to finance your business’ purchases

Working capital loan

For covering temporary shortage of working capital or expenses.

Factoring

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

Financing investments

Financing to support your business growth and bigger projects.

Want to make sure you find a suitable solution?

  • Our client executives will help you find the most suitable financing solution for your business
  • We have a dedicated team of professionals you can trust