Business loan
Flexible solutions to your business needs
Saldo’s fast loans for businesses are an innovative way for small and medium sized enterprises to get ahead.
- Now up to €50 000
- Flexible funding conditions
Apply for a loan
The SME loan is a loan of 1 000–50 000 € (with or without surety) with a payment period of 3–36 months. Monthly payment from 33,65 €/month. Interest from 12,9% and opening fee from 0%.
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What is a business loan?
Getting a business loan from Saldo is quick and easy
All you have to do is fill in an online application form and we’ll transfer the full amount into your company’s bank account instantly.
Through adoption of the latest technology and most innovative solutions, we help businesses with their most pressing financial needs. Loans for small businesses are granted almost immediately, with funds hitting the nominated account just a few minutes after the online application has been submitted and approved by our system.
Saldo Bank fast business loans are a financial service which is suitable and helpful for small and medium-sized businesses operating in Lithuania. Some of the reasons why companies, corporations, partnerships and other legal entities apply for business credit include:
refinancing,
new investment projects,
implementation of development goals or start-ups,
purchase of equipment or goods for the company.
Saldo Bank is here to help your business achieve success and improve your financial standing by offering fast business credit up to €50 000.
Flexible
We aim to adapt to your needs and enable your business to achieve its goals. Business loan term up to 36 months, up to €50,000.
Fast
Get a business loan in as fast as 1 day. Everything is simple, easy and fast - from submitting an application to money in your account.
Reliable
Saldo Bank has more than 10 years of experience in providing financial solutions to private individuals and businesses. We are constantly improving our products in order to give you personalized solutions.
Non Binding
Saldo Bank application does not oblige you to accept the received offer. We give you freedom to choose with the non binding applications.
How to apply for business loan?
- 1
Apply Online
Start your application in just a few minutes.
- 2
Review and Accept Offer
Explore your loan offer. We may reach out with additional questions to better understand your business and your needs.
- 3
Receive Your Business Loan
Get the funds deposited into your account.
- 4
Repay Monthly
Make easy monthly payments to repay your loan.
Who can apply for a business loan?
Saldo Bank’s fast business loans can be tailored to meet the needs of small and medium businesses. And we’ve made sure that applying for business credit couldn’t be simpler. All legal entities operating in Lithuania are eligible to apply.
Saldo is a reliable financial partner for small and medium businesses.
Borrow up to €50 000 quickly, inexpensively and securely. We offer fast loans for businesses with low interest rates and flexible contract terms.
Fast business loans in Lithuania – what do you need to know?
Almost every business borrows in order to grow and expand. Using leverage is an efficient way for a business to become a market leader, and keep ahead of its competitors.
At any given time, the Lithuanian economy has about 8 billion euros of loan capital available for business (Bank of Lithuania, 2020). This amount is equal to approximately one-sixth of the country's gross domestic product (GDP), making business loans a very important driver for the country's economy.
Here are some more things you should know about business loans, financing and support in Lithuania.
Getting business credit usually takes quite a bit of time. The process can take days or even weeks. Saldo’s loan application process is automated, which means if your application is successful, you’ll be able to access the funds immediately.
Most companies require some form of collateral before lending to a business. Saldo Bank offers business loans of up to €50 000 without asking for any collateral. Instead we might ask for a personal guarantor.
Borrowing for patent acquisition or research activities is highly cost-effective, as the advantages and commercial benefits of patents and R&D costs allow for significant tax benefits.
Can I apply for a business loan?
Saldo Bank strives to create the right conditions for business development and growth. Your business may qualify for financing from Saldo Bank if it meets the following conditions:
The business is registered as a small partnership, individual enterprise, cooperative society (cooperative), public institution, agricultural company, public limited liability company, private limited liability company, limited partnership
Company has been operating for at least 90 days
The company has a turnover of at least €3 000
The company must be registered in Lithuania
The owner of the company must have a permanent residence permit in Lithuania, the document must be valid for at least 6 months, if you have a temporary residence permit in Lithuania, the document must be valid for at least 6 months and the expiry date must be more than 12 months away
Lithuanian bank account
The company must not be in bankruptcy, liquidation or restructuring
The credit history of the company and the owner of the company is healthy
Have a question? We answered most of them already.
Cannot find answer to your question?
Contact usThe maximum amount offered for a business loan is €50 000.
We provide each company with a unique offer based on their successful application and individual business needs. This enables Saldo to offer the most competitive business loans and best terms to our entrepreneurial customers.
We understand the importance of having quick and easy access to funds, and that’s why we provide innovative and fast solutions for our small and medium sized business customers.
Our automated application processing system makes a decision as fast as 5 days, and once an application has been approved, money is transferred to the company bank account within a couple of minutes.
Business loans are used for a wide variety of reasons, whether it be the purchase of new goods or equipment, development, project implementation, salary increases, contingency costs or the acquisition of a patent.
The following company types can get a loan:
Sole proprietorship
Private limited company
Partnership enterprise
Cooperative company
Agriculture company
Public institution
Farmers
There’s no one-size-fits-all answer! The amount of credit you can secure for your business will be based on the solvency of your company. Once you’ve completed our quick online application our system will analyse and approve your application. After that, we’ll offer a unique package best suited to your business and its needs.
Your business loan offers will include a fair interest rate, terms and the amount of your monthly repayment.
We aim for full transparency to help you make the right decision for your business as quickly as possible. This is why we offer you several different loan offers with different maturities and payment rates. This way you can find the optimal fit for you!
Saldo Bank UAB is a specialised bank licensed by the European Central Bank and regulated by the Bank of Lithuania. Saldo Bank offers fully automated lending solutions for consumers and SME customers and term deposit account services for consumer customers. The company's advanced scoring system ensures responsible lending, and its own lending system supports business growth also internationally.
You can read more about Saldo Bank in the About Us section.
Our customer service department is open on weekdays from 10 a.m. to 5 p.m. If you can’t find the answer to your question on this page or in our FAQ, you can email our friendly team at versloklientai@saldo.com.
