Start-up loan

The start-up loan provides a helpful boost in case of difficulties with starting a company due to a lacking start-up capital and where there is insufficient security for bank loans or an overly short operational history.

The start-up loan, issued in cooperation with Fund KredEx, is suitable for financing investments and operating capital of starting enterprises and businesses that have operated for up to three years. The objective of the loan is financing of investments and/or operating capital.

Maximum term60 months
Loan amount2,000-100,000 Euros, of which up to 50,000 Euros may be used as operating capital

Unlike a conventional bank loan, fewer guarantees are required from an entrepreneur in the event of a start-up loan. Generally, personal surety of the loan recipient’s natural person owners is sufficient to secure the loan. If the loan is used for specific purposes, personal liability of the guarantor is 25% of the loan amount


Undertakings applying for the start-up loan must adhere to the following requirements

Applying for a start-up loan keyboard_arrow_down

An application is submitted to the Bank

In case of a favorable decision, the Bank submits to KredEx the documents required for financing/providing surety

KredEx makes a decision based on the information received from the Bank. If necessary, additional information is requested from the relevant undertaking

In case of a favorable decision by KredEx, the Bank prepares the relevant documentation and issues the loan.

In addition to Bank-required documents necessary to apply for a loan, the following documents must be submitted:

1. Financial forecasts for the next 3 years

2. Resumes/CVs of the company’s key personnel

3. Overview of existing obligations

maximum term 60 mos.
base interest rate 7%

Show payment schedule.

* Please note, that calculations are informative

Payment Schedule

Nr Date Loan Amount Interest Principal Payment Total Payments Outstanding Balance


Apply for a loan

Customer support

Mon-Fri 09.00-17.00

Phone: +372 668 8066

Skype: +372 712 0503

*Outside office hours you can report your card lost by calling +372 668 8088

Important! Our branch office in Tallinn, on Vana-Viru 7 is temporarily closed until 31.12.2020

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