E-commerce
€60 000
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
- 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 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 – we tailor structure and lender to the actual situation.
Construction
€150 000
18 months
Situation
Working capital needed for two parallel sites.
Outcome
Non-bank lender secured, rate 11%, answer in 2 days.
Services
€25 000
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 250 financed deals
- Independent advisory – we represent your interests
- Time and resource savings in securing financing
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