Business loans that fit your ambition
From working capital to long-term investments – we
provide business loans starting at €25 000, with or
without collateral.
One loan. Multiple possibilities.
Already trusted by hundreds of Lithuanian and Estonian businesses
across manufacturing, transport, trade, construction, and agriculture.
Unsecured loans
When your business has strong financials and a clear plan.
Secured loans
When you need a higher amount and want better terms.
Investment loans
To fund expansion, acquisitions or innovations.
Working capital loans
To bridge cash flow gaps or prepare for peak seasons.
Calculate your loan possibilities
Calculate loan options
Why take a loan from Finora Bank
We think like business owners
We take time to understand your business model, not just your balance sheet. Our approach is tailored, not templated.
We offer flexible solutions
No one-size-fits-all offers. We assess each case individually and adapt terms to your business model and cash flow.
We are regulated and reliable
Finora Bank is supervised by the Bank of Lithuania. Our team consists of 60+ banking and fintech professionals, trusted by hundreds of companies across Lithuania and Estonia.
Frequently Asked Questions
Business loans are available only to legal entities, including agricultural businesses, registered in Lithuania and Estonia. Applications are submitted online.
We finance small and medium-sized enterprises that have stable operations. Each application is assessed individually, looking at the company’s creditworthiness, financial performance, business history, and available collateral, if applicable. Existing credit lines with other banks remain unchanged; our financing does not limit or replace them.
Loan amounts start from EUR 25 000. The final amount depends on the company’s financial situation and collateral. We provide a clear answer after assessment.
To apply for a loan, the following documents are required:
Loan application, the latest annual report and/or balance sheet and income statement (not older than 6 months) appraisal report or exact address and photos of the collateral (if applicable), and bank account statements of the applicant and any surety for the past 6 months with digital confirmation from the bank.
A business loan secured by real estate is a financing agreement where the company receives funds by pledging owned real estate as collateral. This allows businesses to access larger amounts or better terms compared to unsecured financing.
After you submit the application and all required documents, Finora Bank assesses your company’s financial capacity. A credit decision is usually provided within 1 (one) week, after submission of all documents; or additional information, necessary for taking a decision, is requested from the applicant within the same time term.
Yes. We evaluate every case individually. Send your application online and we will contact you.
The loan funds are transferred directly to your company’s bank account at Finora Bank.
Yes. Early repayment is allowed in full or in part subject to early repayment fees set out in the loan agreement.
Yes. A free-form request must be submitted for extension of the loan term. Each case is reviewed individually, and any agreed changes are formalized by an amendment to the loan agreement.
A loan may be secured by real estate. The financing amount typically ranges from 50% to 75% of the collateral’s assessed value. A personal surety may be accepted as additional security, subject to assessment.
Your repayment schedule is provided together with the loan agreement and can be requested at any time via Internet Bank or by contacting the bank.
Our current fees and charges are set out in the bank’s Price List, available on our website. Before using a service or signing an agreement, please review the applicable fees and charges.
