Limit loan
Holm’s limit loan helps your company prepare for times when it needs additional working capital for a short period. Arrange financing before you need it, so a credit limit is already in place when a new order arrives, a new season begins or a temporary funding need arises.
Special offer: until 30 November, the contract fee is €0 for loans of up to €500,000.
Loan amount
Contract period
Self-financing
Overdraft
Contract fee
Ways to use a limit loan
Seasonal expenses
When a company faces major expenses before receiving sales revenue or other payments. For example, an agricultural company may need financing to purchase supplies before selling its harvest.
Stock and materials
To purchase raw materials, goods or other materials before receiving payment from their sale or a completed order. This may suit manufacturing and trading companies, for example.
New orders and projects
When a new job or order involves costs before the first payments arrive from the customer. You can use as much of the credit limit as you need, then use the repaid amount again once it becomes available.
Temporary funding needs
To cover gaps between company expenses and incoming customer payments, unexpected costs or smaller short-term investments.
Start with an initial assessment
Briefly describe your company’s financing needs, the credit limit you would like, how and when you plan to use it, and what collateral you can offer.
Based on the initial information, we can assess whether a limit loan may be suitable for your company. We may also need your company’s financial information to prepare an indicative offer. The offer does not commit you to signing a contract. If you are happy with the terms, we will proceed with a more detailed assessment and a lending 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.