# Oferta Finance

> Oferta Finance is a Latvian business-financing broker (kredītu starpnieks). We help companies in Latvia secure loans, factoring, leasing, refinancing and real-estate development funding from 50+ bank and non-bank lenders. Trilingual site: Latvian (default), Russian, English.

## Pages

- [Home](/): Overview of business-financing services for Latvian companies.
- [About us](/par-mums): Company background, team and €24M+ track record.
- [Products](/produkti): All financing products we broker.
- [Business loan](/uznemumiem/finansesana/kredits): Standard business loans for SMEs.
- [Loan without collateral](/uznemumiem/finansesana/kredits-bez-kilas): Unsecured business loans.
- [Factoring](/uznemumiem/finansesana/faktorings): Invoice financing.
- [Loan against real estate](/uznemumiem/finansesana/kredits-pret-nekustamo-ipasumu): Mortgage-backed business loans.
- [Loan against forest land](/uznemumiem/finansesana/kredits-pret-meza-zemi): Forest-collateral loans.
- [ALTUM development loan](/uznemumiem/finansesana/altum-kredits-attistibai): State-backed ALTUM financing.
- [Working capital financing](/uznemumiem/finansesana/apgrozamo-lidzeklu-finansejums): Short-term working capital.
- [Refinancing](/uznemumiem/finansesana/refinansesana): Replace existing loans on better terms.
- [Investment loan](/uznemumiem/finansesana/investiciju-kredits): Long-term capex financing.
- [Real-estate development loan](/uznemumiem/finansesana/kredits-nekustama-ipasuma-attistibai): Funding for property projects.
- [EU funds](/uznemumiem/es-fondi): EU funds questionnaire and state-aid qualification.
- [Industries](/nozares): Industry-specific financing limits and notes.
- [How to get a business loan](/ka-sanemt-kreditu-uznemumam): Step-by-step guide.
- [Financing for your company](/finansejums-uznemumam): Overview of financing options.
- [Business loan basics](/biznesa-kredits): Introduction to business loans in Latvia.
- [FAQ](/jautajumi-un-atbildes): Common questions about business financing.
- [Glossary](/glosarijs): Finance and lending terminology.

## Calculators

- [Calculators hub](/kalkulatori): Diagnostic hub for all financing calculators.
- [Financing capacity](/finansejuma-piesaistes-kalkulators): How much your company can borrow.
- [Real-estate development](/nekustama-ipasuma-attistibas-kalkulators): Bank vs non-bank funding comparison.
- [Payment schedule](/maksajumu-grafika-kalkulators): Amortisation with Euribor, linear/annuity.
- [Refinancing](/refinansesanas-kalkulators): Savings from replacing an existing loan.
- [Opportunity cost](/neizmantoto-iespeju-kalkulators): What you lose by not financing growth.

## Blog

- [Blog](/blog): Articles on business financing, refinancing, EU funds, calculators.

## For partners

- [Agents / brokers](/agents): B2B recruitment for brokers and intermediaries.
- [CFO partnership](/cfo): CFO/advisor partnership programme.
- [Webinars](/webinars): Upcoming and past webinars on business financing.

## Optional

- [Privacy policy](/privatuma-politika)
- [Cookie policy](/sikdatnu-politika)
- [Terms of use](/lietosanas-noteikumi)
- [Complaint policy](/complaint-policy)
- [Conflict of interest](/interesu-konflikta-politika)