E-commerce
60 000 EUR
24 months
Situation
Needed Q4 inventory financing with no time for a mortgage.
Outcome
Funds in account in 5 business days, rate 10.5%, 50% personal guarantee.
Financing Products
Unsecured Credit
No real estate collateral needed. We help find financing based on company cash flow. Amounts from €3,000 to €500,000, response in 1–3 business days.
€3K–€500K
Loan size
3–36 months
Term
From 9% per year
Collateral / LTV
financial partners
50+
Personal guarantee 50–100%. Indicative response in 1–3 business days. Funds in account within 1–7 business days.
Who this financing is for & what can be financed
Who this financing is for
- Company older than 6 months with turnover above €3,000/month
- Company looking to grow its business
- Company without collateral or unwilling to provide it
- Company needing a fast response and funds in account
What can be financed
- Fixed asset acquisition
- Working capital investments
- Purchase financing
- Tax payments
- Refinancing existing liabilities
Financing process
- 01
Company and project evaluation
- 02
Financing structure preparation
- 03
Submitting applications to banks and lenders
- 04
Comparing offers and negotiations
- 05
Deal closing
How it works: a concrete example
A retailer restocks inventory
A company with €900K annual turnover wants to buy inventory for the new season: €80,000, unsecured.
Amount
€80,000
Term
24 months
Rate
10.5% p.a.
Payment
€3,705/month
Result
Funds in 5 business days, seasonal turnover grows 40%.
Real deals we have financed
Every business is different, so we tailor structure and lender to the actual situation.
Construction
150 000 EUR
18 months
Situation
Working capital needed for two parallel sites.
Outcome
Non-bank lender secured, rate 11%, answer in 2 days.
Services
25 000 EUR
12 months
Situation
Startup with no collateral needed funds for salaries and marketing.
Outcome
Fast bank loan, rate 9.9%, no additional collateral.
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
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