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For whom is loan guarantee designed?

A business loan guarantee is designed for a company requiring financing of its operations by a bank or leasing.

Loan guarantee helps, if a company wishes to use a bank loan, leasing or bank guarantee, but lacks sufficient guarantees or operating history.

What are the main requirements to an applicant?

  • The entrepreneur is creditworthy
  • The equity of the entrepreneur meets the requirements established in the Commercial Code
  • The entrepreneur has no overdue un-staggered credits


Necessary documents and additional material


Application form of loan guarantee (to be filled by the customer account manager at the bank)

Additional material

General terms of loan guarantee

How to apply for the loan guarantee?

In order to use loan guarantee one should contact a bank or leasing company. They will submit a relevant guarantee application to KredEx. Depending on the guarantee amount and complexity of the project, the guarantee decision takes up to four weeks.

NB! The services offered by KredEx may include state aid, including de minimis aid.

The business loan is financed from the European Regional Fund.

Loans and leases issued by banks and leasing companies are guaranteed by KredEx partially in cooperation with the Competitiveness and Innovation Framework Programme and European Investment Fund with the support of the European programme for the Competitiveness of Enterprises and Small and Medium-sized Enterprises (COSME).


Please read the loan guarantee terms and consult our customer account managers if necessary.

  • Mihhail Knut

    Client Manager

    (+372) 667 4103

  • Natalja Pauku

    Client Manager

    (+372) 667 4106

  • Jaak Tikko

    Client Manager

    (+372) 667 4107

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