Limit loan

Holm’s limit loan is suitable for companies that need working capital to finance short-term investments.

Loan amount

from €25,000

Contract period

up to 12 months


not needed


as needed
Limit loan

Within the limit, you can use the money as and when you need it – you can withdraw and repay the money repeatedly during the annual contract period. This flexibility saves both money and time and gives the entrepreneur financial security for a whole year. You can apply for the loan via our self-service. Our specialist personally reviews all applications and will get in touch with you if necessary.

You are also welcome to book a consultation. If you have questions, need advice or would like to discuss your business plan prospects with us, please e-mail us at

Intended purpose
flexible use of the loan
Loan amount
from €25,000
Length of loan contract
12 months
Payment schedule
up to 12 months
Obligation fee
3% of the unused limit per year
Annual interest rate
annual interest rate depends on amount and collateral
Contract fee
from 1% of the loan amount, minimum €250
Suitable collateral
real estate, MES or Kredex surety, surety of person(s) related to the company, or a combination of all above
Requirements for the borrower
a private limited company or a public limited company registered and operating in Estonia; liquidation or bankruptcy proceedings have not been initiated against the company

In order to fulfil the due diligence obligation set for us as a bank, we ask you to identify yourself by video in Veriff OÜ if your deposits with interest or the total amount of loans are €15,000 or more. A device with an Internet connection and a working camera is required for verification. Have your ID ready and follow the step-by-step instructions on screen. We will send you an email with a personal link to verify your identity.

Why choose Holm Bank?

More than 25 years of experience

Extensive experience thanks to 350,000 people who have trusted us

Why choose Holm Bank?

Holm is an Estonian bank

A bank based entirely on Estonian capital

Why choose Holm Bank?

People are helpful and caring

We want to support with expert advice and suitable solutions

Why choose Holm Bank?

We are partner with over 2,000 stores and e-shops

We offer hire purchase in Estonia in both regular and online stores

Why choose Holm Bank?

Online services

The services are accessible online contactlessly, customer support can be contacted via email and telephone

Why choose Holm Bank?

We are constantly expanding our product portfolio

We develop Holm products with people’s needs in mind

Why choose Holm Bank?


We follow the principles of responsible lending

Why choose Holm Bank?

Services for both private clients and companies

We offer both credit products and fixed-term deposits

Frequently asked questions

Legal entities registered and operating in Estonia, legal persons in public law, and self-employed persons (except self-employed persons who have been operating for less than 12 months) can apply for a limit loan from Holm.
To enter into a Holm limit loan agreement, a loan application must be completed:
on Holm’s website or
in Holm’s self-service environment or
by sending an e-mail to
To apply for a limit loan, you must submit collateral property information (if available, appraisal report or sales announcement), a loan application approved by the company’s representative, the company’s financial statements (balance sheet and income statement for the last completed financial year, balance sheet and income statement for the last full quarter of the current financial year), and the ‘Legal entity form’. In order to obtain a complete overview of the company’s economic activities, also submit statements of the company’s bank account(s) for the 6 months preceding the submission of the application.
If the loan is secured by a guarantee from the owner of the company or a member of the management board, the guarantor must also sign the ‘Guarantor’s form’ and attach the guarantor’s bank account statement for the last 6 months. In order to make a loan decision, Holm may ask for additional documents or information that may be necessary for financing a specific project.
One of the main purposes of applying for a limit loan is to create additional value for the company (for example, new machinery, equipment, or expansion of the product range, etc.). Based on its legal obligations, Holm would like to know what additional value the applied business loan creates for the company.
In a changing economic environment or in the case of a fast-growing company, it may become apparent that the financial statements (balance sheet and income statement) of the last full year no longer adequately reflect the economic activities of the company. Therefore, when applying for a Holm limit loan, it is also necessary to submit financial statements for the last full quarter of the current financial year.
Holm’s limit loan is secured primarily by a guarantee from a member of the company’s management board or owner, a guarantee from a legal entity economically related to the company, or a mortgage on real estate belonging to the company or a person closely related to the company, or guarantees through the KredEx Foundation and/or the Rural Development Foundation (MES).
Pursuant to law, when applying for a limit loan, the bank is required to request the ‘Legal entity form’ to be filled in, which sets out the main information about the company and its owners. In addition, banks are required to act in accordance with the ‘know your customer’ principle to avoid the risks associated with money laundering and terrorist financing and to ensure the soundness and transparency of the economic environment.
The company must have been active for at least one financial year.
Legal entities registered and operating in Estonia, legal persons in public law, and self-employed persons (except self-employed persons who have been operating for less than 12 months) can apply for a limit loan from Holm.
Banks must collect information on the beneficial owner to fulfil their obligations under both the Money Laundering and Terrorist Financing Prevention Act and the Tax Information Exchange Act.
In its activities, Holm is guided by the principles of responsible lending and must also assess the guarantor’s solvency. The solvency of the guarantor must be sufficient to fulfil the obligations arising from the guarantee agreement. In order to assess the guarantor’s solvency and enter into a guarantee agreement, Holm Bank needs additional information about the guarantor contained in the ‘Guarantor’s form’.
Holm is interested in the origin of self-financing because self-financing shows the company’s ability to raise capital. In particular, the bank wishes to know whether the self-financing comes from the owners of the company, is related to the extension of the payment term of the suppliers (including overdue debts), or comes from other creditors.
Pursuant to law, financial institutions are obliged to comply with due diligence measures, which also include compliance with the ‘Know your customer’ requirements ( One of the basic materials is the customer’s bank account statement, which provides an overview of the customer’s daily economic activities.
In the company’s economic activities, situations may arise where the company’s liquidity is limited, which results in payment difficulties. The most important thing in case of payment difficulties is to inform Holm Bank as soon as possible. The company’s arrears and the company’s entry into the Payment Defaults Register can be prevented in cooperation with the bank, in the course of which the most optimal solution satisfying both parties is reached.
A surety is a security given by a guarantor. The guarantor is the person responsible for the loan taken by the borrower. If the borrower fails to repay, the guarantor is obliged to pay the debt. In the case of several guarantors, all guarantors are jointly liable. The guarantor can be a citizen of the Republic of Estonia or a person with a permanent residence permit in Estonia at least 18 years of age, who must have a secure income and must not be in arrears.

Additional information

You are on the website of the financial service provider Holm Bank AS. Before concluding each contract, read the terms and conditions and, if necessary, consult an expert.
© 2024. Holm Bank AS