Investment loan
Holm investment loan is a secured financing solution for acquiring real estate and fixed assets, expanding your company and refinancing existing obligations. A long repayment schedule allows you to align loan repayments with the investment timeline and your company’s cash flow.
Special offer: until 30 November, the contract fee is €0 for loans of up to €500,000.
Loan amount
Repayment schedule
Interest rate
Suitable collateral
Self-financing
Contract fee
Investment loan uses
Real estate and development
Commercial and rental property, smaller residential developments, and production and warehouse facilities. Financing can also cover the sales period after a development project has been completed.
Machinery and fixed assets
Purchasing machinery, equipment and other fixed assets needed for your company’s operations, as well as upgrading existing assets.
Company growth and investments
Increasing production capacity, launching a new line of business, and acquiring land or other long-term assets, including agricultural land.
Refinancing
Refinancing existing loans and other company-related obligations to spread repayments over a longer period or achieve a more suitable monthly payment.
Refinancing for more flexible terms
Refinancing is worth considering if the term, repayment schedule or other conditions of your current loan no longer match your company’s cash flow or the actual investment timeline.
Holm investment loan can be used to refinance, for example, business loans taken out to acquire or develop real estate and other fixed assets. The benefit of a new solution does not have to be an interest rate alone. A longer repayment schedule, lower regular repayments or a repayment structure that better matches the investment’s cash flow may be just as important.
Start with an initial assessment
Briefly describe the investment, the loan amount you are looking for, your company’s finances, the project timeline and the collateral you can offer. If you are refinancing, also include an overview of the existing loan and its terms.
Based on this initial information, we can assess whether your plan could be suitable for financing from Holm. The offer does not oblige you to enter into a contract. If the terms suit you, we will continue with a more detailed assessment and credit decision.
If you would like an indicative offer or want to discuss your plans, email us at [email protected].
Frequently asked questions
• details of the collateral (e.g. property details or a sales listing);
• a loan application confirmed by the company’s representative;
• financial statements: the previous financial year’s balance sheet and income statement submitted to the Business Register, and current year statements (not older than two months);
• bank account statements for the past six months;
• if the loan is secured by a personal surety from the owner or a member of the management board, the guarantor’s questionnaire;
• the guarantor’s bank account statements for the past six months.
Holm Bank may request additional documents or data to evaluate the specific project and make an informed lending decision.
• a mortgage on real estate owned by the company or a related party;
• a personal surety from the company’s owner or board member;
• a guarantee from a legal entity with economic ties to the company;
• a guarantee from the Estonian Business and Innovation Agency (EIS) or the Rural Development Foundation (MES).
A guarantor must be at least 18 years old and have sufficient financial capacity to meet the obligations under the guarantee agreement. In general, Holm Bank expects the guarantor to have a steady income and no payment defaults.
