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For whom is a capital loan suitable?

A capital loan is aimed at companies having proven the operability of their business model, who are planning development investments.

A capital loan is helpful if the company wishes to finance its fast growth with loan capital, but the level of self-financing is too small or the collateral insufficient for obtaining a bank loan. Similarly to the owner, KredEx will give into the use of the company capital, which due to its subordination increases the level of self-financing in the eyes of other financiers. This in turn enables the inclusion of additional funding, e.g. a bank loan.


What are the main requirements to an applicant?

  • The company has been entered in the commercial register of the Republic of Estonia
  • The company’s equity is at least EUR 100 000 and corresponds to the requirements set out in the Commercial Code
  • The company has no overdue deferred debt
  • The company is a going concern and solvent
  • The management board and supervisory board members of the company are reliable and competent


Necessary documents and additional material


Application form of capital loan
Table of financial forecasts

Additional material

General terms of capital loan 

The capital loan is financed from the European Regional Fund.

How to apply for capital loan?

In order to apply for capital loan, it is necessary to fill in an application (ID card or Mobile ID is required for logging into the environment of e-services), and enclose the following:

  • financial forecasts on the form of KredEx
  • business plan
  • report of the most recent financial year
  • balance sheet and income statement of the current financial year, provided that no more than two months have passed from the end of the reporting period at the moment of submission of the application
  • CVs of the key persons of the company

If, in addition to the subordinated loan, a bank loan is also to be applied for, it is recommended to contact both the bank as well as KredEx at the same time in order to enable them to mutually coordinate the loan conditions.

Please note! The services provided by KredEx may involve state aid, incl. de mimis aid. The entrepreneur is obliged to disclose any aid which it has received or applied for to finance the project.


Please examine the terms and conditions of the capital loan and, if necessary, consult our client executive.

  • Mihhail Knut

    Client Manager

    (+372) 667 4103

  • Natalja Pauku

    Client Manager

    (+372) 667 4106

  • Jaak Tikko

    Client Manager

    (+372) 667 4107

  • Kairi Ehrpas

    Client Manager

    +372 667 4105

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