Oferta FinanceOferta Finance

    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.

    Real deals we have financed
    €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. 01

      Company and project evaluation

    2. 02

      Financing structure preparation

    3. 03

      Submitting applications to banks and lenders

    4. 04

      Comparing offers and negotiations

    5. 05

      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, so the loan pays for itself.

    Real deals we have financed

    Every business is different, so we tailor structure and lender to the actual situation.

    Manufacturing / metalworking
    350 000 EUR
    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.

    Wholesale
    120 000 EUR
    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 EUR
    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 300 financed deals
    • Independent advisory: we represent your interests
    • Time and resource savings in securing financing

    Calculate your scenario

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    Looking for financing for your company?

    +371 22088827