Logistics
€850 000
120 months
Situation
4 loans across different banks, blended rate 8.8%.
Outcome
Consolidated into one bank at 5.9%, saving ~€11,000/year.
Financing Products
Refinancing
We help companies review and improve existing financing terms by attracting better offers from other banks.
€50K – €10M+
Loan size
1 – 15 years
Term
Up to 80% LTV
Collateral / LTV
financial partners
50+
Existing loan or multiple loans, positive payment history
Who this financing is for & what can be financed
Who this financing is for
- Companies with high credit interest rates
- Companies with multiple active loans
- Companies looking to reduce monthly payments
- Companies whose financial situation has improved
What can be financed
- Interest rate reduction
- Consolidation of multiple loans into one
- Loan term extension
- Switching to another bank with better terms
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
Company lowers its loan rate
Company pays €600,000 loan at 8.5%. Financials improved – time to review.
Old loan
€600,000 @ 8.5%
New loan
€600,000 @ 5.8%
Term
120 months
Savings
€16,200/year
Result
Total savings over the term – over €160,000.
Real deals we have financed
Every business is different – we tailor structure and lender to the actual situation.
Manufacturing
€2 400 000
144 months
Situation
Old loan at 7.4%, collateral: factory building, stable business.
Outcome
Moved to another bank at 5.4%, part released for working capital.
Real estate investments
€1 100 000
180 months
Situation
Non-bank loan at 10% – owner wanted to move to a bank.
Outcome
Bank loan at 6%, monthly payment down €3,700.
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
Calculate your scenario
Refinancing Calculator
Find out if you can lower your payments or interest rate.
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