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
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
Kāds finansējums man der?
Atbildi uz 3 jautājumiem un iegūsti virzienu – bez saistībām.
Get your financing offers
€25M+ piesaistīts mūsu klientiem
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 – 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
Better terms (rate, amount, term, collateral)
Higher approval probability
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.
Reāli darījumi, reālas summas
Examples from our financing deals
Some of the companies we helped secure financing.
Biznesa Vadības Koledža SIA
Development financing
€450 000
financing secured
Erte Grupa SIA
Refinancing of existing liabilities and working capital
€1 300 000
bank financing secured
Island Park SIA
Development of a 24-apartment project in Zaķusala, Riga
€1 600 000
platform financing secured
Jogitas Pasākumi SIA
Working capital financing for a children's entertainment company
€15 000
financing secured
Valdlauču Parks SIA
Financing for technical project development of a 39-apartment project in Ķekava parish
€130 000
financing secured
SIA "NLZ"
Agricultural workforce services in Sweden
Undisclosed
financing secured
IT staffing company
4 factoring limits secured
€220 000
factoring secured
Event management company
Bank loan secured in 4 business days
€65 000
bank loan secured
Manufacturing company, Latgale
Refinanced on better terms
€100 000
loan refinanced
Biznesa Vadības Koledža SIA
Development financing
€450 000
financing secured
Erte Grupa SIA
Refinancing of existing liabilities and working capital
€1 300 000
bank financing secured
Island Park SIA
Development of a 24-apartment project in Zaķusala, Riga
€1 600 000
platform financing secured
Jogitas Pasākumi SIA
Working capital financing for a children's entertainment company
€15 000
financing secured
Valdlauču Parks SIA
Financing for technical project development of a 39-apartment project in Ķekava parish
€130 000
financing secured
SIA "NLZ"
Agricultural workforce services in Sweden
Undisclosed
financing secured
IT staffing company
4 factoring limits secured
€220 000
factoring secured
Event management company
Bank loan secured in 4 business days
€65 000
bank loan secured
Manufacturing company, Latgale
Refinanced on better terms
€100 000
loan refinanced
These are just a few examples from more than 250 financed companies in Latvia.
Īstenotie NĪ attīstības projekti
€10,76 miljoni četros projektos Rīgā
Mēs strādājam, kamēr jūs attīstāt biznesu.
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.
Uzņēmējiem nav jābaidās no aizdevējiem
Izveidojusies uzņēmēju paaudze, kas iztiek bez kredītiem
Oferta Finance enters the Nordic market
Intervija par uzņēmumu finansējumu Latvijā
Saruna par uzņēmumu finansēšanu Latvijā
Geisari: finansējums ir pieejamāks nekā jebkad agrāk
Zināšanas, ko esam devuši uzņēmējiem
Jaunākie bezmaksas ieraksti par finansējuma piesaisti, banku loģiku un uzņēmuma sagatavošanu.
Visi webināri un podkāsti
Nekustamā īpašuma attīstības finansēšana Latvijā
Paneļdiskusija ar Citadele banku, vērtētāju, attīstītāju un brokeri: kā Latvijā reāli finansē NĪ attīstības projektus.
Skatīties YouTube
Finansējums un tā zemūdens akmeņi Latvijā
Paneļdiskusija ar četriem finansētājiem un brokeri: kur uzņēmumi reāli zaudē naudu finansējuma piesaistes procesā.
Skatīties YouTube
Neredzamā nauda: ko uzņēmējs zaudē, neizmantojot finanšu instrumentus
Paneļdiskusija ar 5 nozares praktiķiem par grantiem, kredītrisku apdrošināšanu, apdrošināšanas auditu un finansējuma piesaisti.
Skatīties YouTubeBanku finansējuma noslēpumi
Praktiska rokasgrāmata Latvijas uzņēmējiem – kā finansētāji patiesībā vērtē pieteikumus un kā panākt labākus nosacījumus.
„Kļūdas, kuru dēļ 80% pieteikumu tiek noraidīti"
„Kā sagatavot finanšu stāstu, lai palielinātu apstiprināšanas iespējas"
Kas ir iekšā
- Kā bankas patiesībā vērtē uzņēmumus un kādi rādītāji ir svarīgākie
- Kļūdas, kuru dēļ 80% pieteikumu tiek noraidīti
- Kā sagatavot finanšu stāstu, lai palielinātu apstiprināšanas iespējas
- Kā salīdzināt banku un nebanku piedāvājumus – bez slēpto komisiju pārsteigumiem
For entrepreneurs who value their time
Securing financing often takes months.
You need to talk to multiple banks, compare offers, prepare documents and negotiate terms.
If you have the time to do it yourself – great.
If not – we'll do it for you.
Get a financing offer for your company
Free 30-minute consultation
Ecosystem
Oferta Finance is active in the Latvian business community.
