Access to finance
Access to EU finance
This site will help you to apply for finance supported by the European Union. To access EU finance, click on your country to locate banks or venture capital funds that provide finance supported by the EU:
National sources of finance
There are several possibilities for increasing your company's income, such as applying for a bank loan or financial support.
In order to receive financial support, the potential benefactor must be supplied with a business plan and specific objectives along with an overview of the measures to be taken to achieve them.
From the state and the local government, a start-up business has the possibility to receive start-up aid. An operating business can apply for financial support, training, and consulting.
The objectives of the foundation KredEx , belonging to the state business support structure, is by offering different guarantee products to improve the access to capital for small and medium-sized enterprises, to support exporting businesses in increasing their export volumes and entering new markets, and to increase the availability of loans necessary for the acquisition and renovation of housing.
Enterprise Estonia offers support to both start-up and operating businesses. The applications for support in general must be based on a prepared project necessary for the acquisition and renovation of housing. State and local governments also grant training support and support for creating new jobs.
Information on support options can be found in Enterprise Estonia’s database and the programme for start-up and growth support.
The information centre of Enterprise Estonia offers direct consultation in the selection and application for support.
Access to EU funding
EU Structural Funds in Estonia grant support to projects through national authorities or third sector authorities.
Possibilities for funding from the private sector
In rural areas, small and medium-sized enterprises can apply for a loan from the Estonian Rural Development Foundation.
Start-up loan is granted by the following banks: Krediidipank, Marfin Bank, SEB Bank, and Swedbank necessary for the acquisition and renovation of housing. A start-up loan is suitable for start-up companies and companies that have operated up to 3 years, and is aimed at financing both investments and liquid assets. KredEx provides surety for up to 75% of the loan amount.
In addition, the banks offer different business loans, for which the banks must be approached.
Business support organisations can advise businesses on how to find financing.