Retail
€300 000
120 months
Situation
Owner has commercial property worth €550,000, needs funds for growth.
Outcome
Loan at 55% LTV, rate 6.4%, mortgage in 3 weeks.
Financing Products
Real Estate Secured Loan
We offer a wide range of financial partners for real estate secured loans. Amounts from €10,000 to €1,000,000, offer within 1–3 business days.
€10K – €1M
Loan size
3 – 240 months
Term
35–75% of property value
Collateral / LTV
financial partners
50+
From 6% per year. Collateral: land, residential or commercial property. Offer in 1–3 days. Funds in 1–10 business days.
Who this financing is for & what can be financed
Who this financing is for
- Companies or owners with available real estate
- Companies seeking financing with simplified requirements
- Companies looking for fast decisions and fund disbursement
- Companies with various property types (land, residential, commercial)
What can be financed
- Working capital credit against real estate
- Real estate acquisition
- Real estate development
- Business startup financing
- Development project 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
Owner uses commercial property as collateral
Owner has commercial property worth €500,000, needs €250,000 to expand.
Loan
€250,000 (50% LTV)
Term
120 months
Rate
6.4% p.a.
Payment
€2,823/month
Result
Funds in 3 weeks, property stays operational, loan repaid from business cash flow.
Real deals we have financed
Every business is different – we tailor structure and lender to the actual situation.
Manufacturing
€600 000
180 months
Situation
Factory building as collateral, refinancing an expensive loan.
Outcome
Rate dropped from 9.5% to 6.1%, savings €4,200/month.
Agriculture
€180 000
60 months
Situation
Land as collateral, financing for equipment and working capital.
Outcome
Non-bank lender, rate 8%, funds in 10 business 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
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