Financing for
business growth

Capitalia is a licensed European crowdfunding service provider operating in Latvia, Lithuania, Estonia and Finland. The company offers accessible and flexible financing for small and medium-sized enterprises, serving as a supplement to bank loans or an alternative to them. For investors, Capitalia offers a wide range of investment opportunities in businesses, suitable for both active and passive investors.

Operating since 2007, Capitalia is the alternative financier with the greatest experience in the Baltic countries. Capitalia has financed more than 5,000 businesses and the total amount invested in businesses exceeds EUR 117 million. Historical clients include companies such as Aerones, Peruza, Bolt, Giraffe360, Pure Chocolate and Stenders. More than 2,134 investors are active on the investment platform, including, for example, Signet Bank and Investors Andris (investoruklubs.lv).

Capitalia offers modern financing tailored to business needs without unnecessary bureaucracy. Capitalia finances businesses in situations where a bank loan is not available or suitable (for example, when financing is needed relatively quickly or for a short period). Each client is assigned a personal financial advisor for day-to-day support. Capitalia is an institution licensed in the European Union with nearly 20 years of experience in business financing. In granting financing we work with both Altum and the European Investment Fund, giving businesses access to financing with state support as well.

For investors, Capitalia offers the opportunity to invest in loans to businesses in the Baltic region. Historically, such investments have provided stable and predictable returns with yields above 10% per year. Investments on the Capitalia platform are suitable for both active and passive investors, as investments can be made individually by choosing them, using automated tools, or with the help of our portfolio construction service. In addition to loan investments, Capitalia regularly offers practical updated materials on investing and savings.

Capitalia provides financing to businesses in four countries: Latvia, Lithuania, Estonia and Finland. The main office in Latvia is in Riga. The Lithuanian office is in Vilnius, while clients in Estonia and Finland are served from the Tallinn office. The opportunity to invest in loans through the platform is available to all investors in Europe — both legal entities and private individuals.

Capitalia finances businesses in all sectors of economic activity, with separate products for agricultural businesses and real estate developers. Historically, the largest amounts of financing have been granted to businesses in trade and manufacturing, but clients have included representatives of virtually all areas of agriculture and the economy.