Manufacturing / metalworking
€350 000
60 months
Situation
A company with €2.4M turnover wanted to buy a CNC machine and expand production capacity.
Outcome
Secured a bank at 6.9% with commercial pledge on the equipment, without personal guarantee.
Financing Products
Business Credit
We help companies secure credit with the best terms by comparing offers from 50+ financial institutions. Working capital credit, refinancing, factoring, secured credit, leasing and credit lines.
€3K – €10M
Loan size
3 – 120 months
Term
From 6% per year
Collateral / LTV
financial partners
50+
Personal guarantee, commercial pledge on assets or mortgage. Unsecured: 2–4 weeks, secured: 3–6 weeks.
Who this financing is for & what can be financed
Who this financing is for
- Companies with turnover above €3,000/month and at least 6 months history
- Companies planning to expand or invest
- Companies looking to refinance existing liabilities
- Companies with stable cash flow and good credit history
What can be financed
- Fixed asset acquisition
- Working capital investments
- Purchase financing
- Tax payments
- Refinancing existing liabilities
- Invoice financing
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
A manufacturing company buys new equipment
A 3-year-old company with €1.8M annual turnover wants to buy equipment for €250,000.
Loan amount
€250,000
Term
60 months
Rate
7.2% p.a.
Payment
€4,970/month
Result
The equipment generates €8,500/month in extra profit – the loan pays for itself.
Real deals we have financed
Every business is different – we tailor structure and lender to the actual situation.
Wholesale
€120 000
36 months
Situation
Seasonal business that needed financing to stock up before Christmas.
Outcome
In 3 weeks arranged a credit line with drawdowns, rate 8.4%.
IT services
€80 000
48 months
Situation
Company wanted to refinance 3 expensive non-bank loans into one bank.
Outcome
Blended rate dropped from 14% to 7.2%, monthly payment fell by €1,900.
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
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