Wholesale
€500 000
24 months
Situation
Seasonal inventory – needs a flexible limit to draw when needed.
Outcome
Bank credit line €500K, 7% on drawn balance.
Financing Products
Working Capital Financing
We provide flexible working capital financing so your company can focus on growth, not cash flow management.
€20K – €5M
Loan size
3 months – 3 years
Term
Up to 100% of turnover
Collateral / LTV
financial partners
50+
Stable turnover, clear debtor and creditor structure
Who this financing is for & what can be financed
Who this financing is for
- Trade and manufacturing companies
- Companies with seasonal business cycles
- Fast-growing companies with increasing turnover
- Companies with long debtor payment terms
What can be financed
- Inventory and raw material purchases
- Supplier invoice payments
- Salary and tax payments
- Smoothing seasonal fluctuations
Financing process
- 1
Company and project evaluation
- 2
Financing structure preparation
- 3
Submitting applications to banks and lenders
- 4
Comparing offers and negotiations
- 5
Deal closing
How it works – a concrete example
Seasonal retailer smooths cash flow
Company sells 70% of volume Sep–Dec, but must buy inventory in summer.
Credit line
€300,000
Term
24 months, revolving
Rate
7.5% on drawn
Unused fee
0.5%
Result
Company buys stock on time, seasonal profit +25%, interest only on drawn amounts.
Real deals we have financed
Every business is different – we tailor structure and lender to the actual situation.
Manufacturing
€250 000
36 months
Situation
Bulk raw material purchases – working capital needed.
Outcome
Overdraft-style loan, flexible schedule, rate 8.1%.
Construction
€180 000
18 months
Situation
Money needed for materials while client hasn't paid milestone invoice.
Outcome
Short-term working capital loan, rate 9%, answer in 3 days.
Why choose Oferta Finance
- Access to 50+ financial institutions in Latvia and the Baltics
- Experience in more than 250 financed deals
- Independent advisory – we represent your interests
- Time and resource savings in securing financing
Calculate your scenario
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