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Expert articles on business financing, growth, and capital raising.
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Case: how a 24-apartment building on Zaķusala got funded after every bank said no
Every bank refused the developer. After 8 months of preparation the first 400 000 EUR arrived. Today the building is completed.
Property development without 40 % equity or a private investor
To develop property you need neither 40 % equity nor a private investor. You need land and the right sequence.
Why is the FEHU rune in the Oferta Finance logo?
FEHU is one of the oldest runes – a symbol of wealth, capital and prosperity. The story behind why it lives in our logo.
Debt isn't your enemy. It's a decision.
Good debt starts with math. If capital earns more than it costs, it stops being debt – it becomes a tool.
Latvian lenders' websites vs reality
We reviewed 50+ lender websites in Latvia. There's a big gap between promises and reality – usually hidden in the footnotes.
€100,000 in your account: why Latvians choose stocks over their own business?
In our survey, 76 entrepreneurs answered what they would do with an unexpected €100,000. More than half chose stocks or bonds – not their own business. Hofstede's cultural index explains why.
TOP 5 Myths About Business Financing in Latvia
Businesses don't get financed in Latvia? Borrowing = risk? We bust five of the most common myths about business financing and show how things actually are.
Should you raise financing yourself or with a broker?
The difference isn't just time – it's the outcome. A detailed comparison across 9 criteria: time, number of offers, terms, risks and costs.
EU Funds in Latvia 2024–2027: Complete Guide for Businesses
What EU funds are available for Latvian businesses? Who can apply? How much co-financing? A practical guide with concrete steps and recommendations.
Raising finance: DIY or with a professional? 3 common mistakes
Three real examples from practice showing why the DIY approach to raising finance often costs more than professional help.
Money has no value. Where does real value come from in business?
Most entrepreneurs believe financing will solve everything. But money alone creates no value. Learn where real value comes from.
Refinancing in Latvia: are you overpaying for your business loan?
Refinancing is becoming increasingly relevant in Latvia, yet entrepreneurs use it too rarely. Learn when it's profitable and how to use it.
Financing Capacity Calculator: How to Assess Your Options Before Applying
How to use the Oferta Finance financing capacity calculator to understand how much credit you can attract and what affects it.
What a Financing Rejection Really Means (and Why Most Entrepreneurs Get It Wrong)
A financing rejection doesn't mean your business can't be funded. Learn the most common rejection reasons from banks and non-bank lenders.
5 myths about business financing that cost entrepreneurs too much
Debt itself isn't the problem. A poorly structured loan is. 5 of the most common myths that cost Latvian entrepreneurs too much.
SME Financing in Latvia: Key Insights from an Industry Seminar
On March 3, 2026, a seminar on SME financing took place in Riga. We compiled the key insights on financing availability, bank decision-making, and corporate investment culture.
How to Secure Business Financing in Latvia in 2026
A complete guide to financing offers for Latvian businesses – from bank loans to alternative funding sources.
5 Most Common Mistakes SMEs Make When Seeking Financing
Learn about the mistakes small and medium enterprises most commonly make when seeking financing and how to avoid them.
Capital Raising Strategies in 2026
Modern capital raising options for companies – from traditional bank financing to mezzanine and private equity funds.
Complete Guide: How to Prepare a Bank Loan Application
Step-by-step guide on preparing a successful bank loan application – from business plan to collateral.
Latvian Financing Market Trends in 2026
Overview of key trends in the Latvian business financing market – interest rates, new products, and market dynamics.
EU Funds for Latvian Businesses in 2026: Complete Overview
What EU fund instruments are available for Latvian businesses in 2026? Overview of grant programs, guarantees, and loans.
EURIBOR is falling – what does it mean for your business?
EURIBOR decline – an opportunity for entrepreneurs to save. Latest financial market trends show that EURIBOR rates experienced a significant drop in 2024.
Business challenges: 48 critical factors and their impact
Entrepreneurship is a multifaceted process where every element can significantly impact business success. Here are the 48 most important challenges.
5 months – that's how much time entrepreneurs save on average with Oferta Finance
In business, time is one of the most valuable currencies. Oferta Finance helps entrepreneurs save up to 5 months in the financing process.
Real estate development financing challenges – what you need to know
Real estate development is one of the most profitable yet complex business sectors. Learn about financing challenges.
Securing Financing – Business Driver and a Matter of Survival
Lack of financing is one of the three main reasons for bankruptcy. Learn why financing availability is crucial for company growth.
Latvian Companies Borrow 3x Less Than in Europe – Why?
Outstanding loan balance in Latvia is only 27.5% of GDP, while the eurozone average is 76.9%. Why do Latvian companies borrow so little?
Common Mistakes Entrepreneurs Make When Seeking Financing
8 most common mistakes that slow down financing or lead to rejection. Learn how to avoid them.
10 Steps to Prepare for Financing
A practical guide with 10 steps to successfully prepare for securing financing.
Entrepreneur Survey Findings: How to Improve Financing Strategies
Surveying 100+ entrepreneurs with LTRK and 1188, we identified the main challenges. 34% don't want extra risks, 64% consider rates too high.
What is a Forest Land Secured Loan?
Forest land secured loan allows up to 90% of property value with rates from 7% per year and flexible terms up to 20 years.
What is Factoring and How Can It Help Your Business?
Factoring lets you receive 70-90% of invoice value immediately, improving cash flow without traditional credit.
Securing Financing for Real Estate Development: Options and Differences
Detailed comparison between alternative financial institutions and banks in real estate development financing.
Financing Roadmap for Entrepreneurs: When and What Financing is Available
Detailed roadmap of financing availability depending on company age – from 0 months to 24+ months.
Most Common Rejection Reasons When Companies Seek Financing in Latvia
8 most common reasons for financing rejection and how to address them.
Financial Challenges for Entrepreneurship in Latvia
Three main financial challenges in Latvia: conservative banks, high interest rates and many unknowns.
3 Reasons to Use a Business Credit Broker
Expertise, time savings and better terms – three main reasons to use a credit broker.