Business finance brokers
We represent your interests in the financial sector
You get a personal broker: strategy, the file and negotiations with lenders through to real offers. You choose the best one.
Trusted by more than 200 companies in Latvia
Oferta Finance is a business credit broker that secures financing on your behalf
First offer within business hours · Fastest money in a client's account: 24 hours
Market reality
Lending to companies and households in Latvia stands at roughly 30% of GDP, less than half the euro area average. That is not a shortage of capital. It is a shortage of prepared borrowers.
- 5 months of lost time
- 80% of applications are rejected
- No idea which lender to even start with
- Worse terms when going alone
- No comparison between offers
- Negative experience with banks
- Untapped growth potential
Raise financing yourself or with a broker?
The difference isn't just time, it's the result.
Get your financing offer
Which financing fits me?
Answer 3 questions and get a direction, with no commitment.
Get your financing offers
€25M+ raised for our clients
TOP 5 myths about business financing
What actually happens in the financing market in Latvia.
Latvia has dozens of banks and financial institutions actively looking for companies to finance. The problem isn't "lack of money." The problem is this: do you know where and how to apply correctly. We work with 50+ lenders and know who's looking for what.
The risk isn't in borrowing. The risk is in not knowing what you're doing. If your profit margin > financing rate, then not using capital = lost profit. Financing is a tool. Not a risk.
The best terms come when you don't need the money. When: • your balance sheet is in order • cash flow is stable • results are good That's when you get a better rate, larger amount and better terms.
1 bank = 1 opinion. Every lender has their own criteria. What doesn't fit one fits another. That's why we compare offers from 50+ lenders.
You can. But it will cost: • time • suboptimal offers • missed opportunities Financing isn't just the rate. It's a combination: rate + term + structure. We optimize everything, not just the interest rate.
What you gain with Oferta Finance
Our approach to securing financing.
Access to 50+ lenders
Higher approval probability
Better terms (rate, amount, term, collateral)
Financing structure and strategy
Time savings
Strategic clarity about your options
Understanding of rejections and next steps
When it makes sense to apply
- When you simply want to get a financing offer
- When you have a development plan and need to secure financing
- When you have a loan but your current lender can't offer a larger amount, longer term or lower rate
- When you urgently need financing to cover operational needs
- When you're in difficulty and urgently need a short-term solution
How it works
Diagnostics
A call where we understand your needs and possibilities.
- 1
Diagnostics
A call where we understand your needs and possibilities.
- 2
Strategy
We build a tailored financing strategy for you.
- 3
Partnership
We sign a mutual cooperation agreement.
- 4
Approaching banks
We approach multiple financial institutions.
- 5
Deal
We close the deal and secure the financing.
Real deals, real amounts
Examples from our financing deals
Some of the companies we helped secure financing.
SIA „Italian Machinery Association”
Industrial equipment export with a two-year deferred payment. Factoring from Regional Investment Bank backed by an ALTUM export credit guarantee, approved in about one month.
701 493 EUR
financing secured, about 90% of a 780 000 EUR deal
Biznesa Vadības Koledža SIA
Development financing
450 000 EUR
financing secured
Erte Grupa SIA
Refinancing of existing liabilities and working capital
1 300 000 EUR
bank financing secured
Island Park SIA
Development of a 24-apartment project in Zaķusala, Riga
1 960 000 EUR
platform financing secured
Jogitas Pasākumi SIA
Working capital financing for a children's entertainment company
15 000 EUR
financing secured
Valdlauču Parks SIA
Financing for technical project development of a 39-apartment project in Ķekava parish
130 000 EUR
financing secured
SIA „NLZ“
Agricultural workforce services in Sweden
Undisclosed
financing secured
IT staffing company
4 factoring limits secured
220 000 EUR
factoring secured
Event management company
Bank loan secured in 4 business days
65 000 EUR
bank loan secured
Manufacturing company, Latgale
Refinanced on better terms
100 000 EUR
loan refinanced
SIA „Italian Machinery Association”
Industrial equipment export with a two-year deferred payment. Factoring from Regional Investment Bank backed by an ALTUM export credit guarantee, approved in about one month.
701 493 EUR
financing secured, about 90% of a 780 000 EUR deal
Biznesa Vadības Koledža SIA
Development financing
450 000 EUR
financing secured
Erte Grupa SIA
Refinancing of existing liabilities and working capital
1 300 000 EUR
bank financing secured
Island Park SIA
Development of a 24-apartment project in Zaķusala, Riga
1 960 000 EUR
platform financing secured
Jogitas Pasākumi SIA
Working capital financing for a children's entertainment company
15 000 EUR
financing secured
Valdlauču Parks SIA
Financing for technical project development of a 39-apartment project in Ķekava parish
130 000 EUR
financing secured
SIA „NLZ“
Agricultural workforce services in Sweden
Undisclosed
financing secured
IT staffing company
4 factoring limits secured
220 000 EUR
factoring secured
Event management company
Bank loan secured in 4 business days
65 000 EUR
bank loan secured
Manufacturing company, Latgale
Refinanced on better terms
100 000 EUR
loan refinanced
These are just a few examples from more than 300 deals financed in Latvia.
Team
Experience in securing financing for companies and working with banks.
Artūrs Geisari
Founder / Visionary
20+ years of experience, secured more than €100M in financing.
Raivis Skvireckis
Board Member / CEO
Experience in structuring financing deals and working with banks.
What our clients say
65 client reviews on Google and Trustpilot.
Fast and professional financing process. Oferta helped compare multiple bank offers and choose the best one.
Excellent communication and professional approach to securing financing.
Financing was secured faster than expected. Great support throughout the process.
Fast and professional financing process. Oferta helped compare multiple bank offers and choose the best one.
Excellent communication and professional approach to securing financing.
Financing was secured faster than expected. Great support throughout the process.
Media about us
Oferta Finance regularly comments on business financing topics in Latvian and Baltic media.
Oferta Finance arranges more than 700 000 EUR for an industrial equipment export deal
Entrepreneurs shouldn't be afraid of lenders
A generation of entrepreneurs has grown up without using credit
Oferta Finance enters the Nordic market
Interview about business financing in Latvia
A conversation about business financing in Latvia
Geisari: financing is more available than ever
Knowledge we have shared with entrepreneurs
The latest free recordings on raising financing, how banks think, and how to get your company ready.
All webinars and podcasts
Never too late
A panel with sworn attorneys, a bailiff and brokers: debts, contracts, personal guarantees and talks with creditors.
Watch the recording
Financing real estate development in Latvia
A panel with Citadele bank, a valuer, a developer and a broker: how real estate development is actually financed in Latvia.
Watch on YouTube
Financing and its hidden pitfalls in Latvia
A panel with four lenders and a broker: where companies actually lose money in the financing process.
Watch on YouTubeThe secrets of bank financing
A practical handbook for Latvian business owners: how lenders actually assess applications and how to get better terms.
“The mistakes behind 80% of rejected applications”
“How to build a financial story that improves your chances of approval”
What's inside
- How banks really assess companies, and which metrics matter most
- The mistakes behind 80% of rejected applications
- How to build a financial story that improves your chances of approval
- How to compare bank and non-bank offers without surprise hidden fees
Get a financing offer for your company
Free 30-minute consultation
Ecosystem
Oferta Finance is active in the Latvian business community.
