Our opinion articles on observations in the Baltic states, funding and investment sector, information about new products and special offers, as well as news for our investors
Disclosure of financial and operational information, August 2026
Capitalia is the recipient of Code of Good Conduct Certificate. In accordance with this certificate, Capitalia regularly publishes the disclosure of financial and operational information. The latest d…
Unaudited interim financial statements for Q2, 2026
In the first half of 2026, Capitalia reported a turnover of EUR 1.02 million and a profit of EUR 21 thousand. The operating revenue and profit was slightly lower in the last reporting quarter. We exp…
Unaudited interim financial statements for Q1, 2026
In the first quarter of 2026, Capitalia reported a turnover of EUR 539 thousand and a profit of EUR 23 thousand. The operating revenue and profit grew in the last reporting quarter. We expect the rev…
Loans for small and medium-sized companies in the Baltics and Finland: working capital, equipment, property development and buyouts, and what each of them is used for in practice.
04.08.2026
Due to the increase of applications for the EIF guaranteed loans, we'd like to remind you of the restrictions regarding the sectors and activities of the borrower.
Tags: Crowdfunding, Business loan
30.03.2026
The smallest companies in the Baltics will be eligible for up to €15 million in loans as a result of an initiative that alternative financing provider Capitalia is undertaking with support from the European Investment Fund (EIF). Capitalia will use an EIF guarantee to offer crowdfunded loans to microenterprises in Estonia, Latvia and Lithuania over three years.
Tags: Crowdfunding, Business loan
03.07.2024
Retail stores create a large part of Capitalia’s overall client range due to their regular financing need. Purchasing additional goods for sale before the high season, renovating the premises, expanding and opening new stores - the options are endless. Retail companies often choose alternative financing thanks to the possibility to tailor the repayment schedule and low collateral requirements.
Tags: Business loan
04.04.2024
Find out what changes Capitalia is implementing as required by the ECSP regulations and how it impacts investors' experience. Most of the changes concern investor protection and all of it is approved by the regulating body Bank of Latvia to ensure they match the EU regulations.
Tags: Investor relations, Business loan
09.12.2022
For wholesale and retail companies, it is significantly important to keep high levels of inventory to meet the clients’ demands. In order to increase the turnover, Capitalia working capital financing can be a useful tool for purchasing more goods for sale.
Tags: Business loan
04.11.2022
The surrounding anxiety and suspense about the potentially upcoming crisis can quite easily initiate a stressful environment for any company. Fear of increasing invoice expenses, inflation, and the war nearby make the investors act more cautiously when planning next year’s budget and expansion plans. However, the probability of a crisis, if the company is well-prepared, is also an opportunity. There are numerous options for how a company can use additional financing to prepare for a more stable future.
Tags: Business loan
16.09.2022
One of the leading real estate developers in Liepāja, Lion Estate, SIA, actively takes part in improving and renovating apartment houses in Liepāja. In order to realize numerous projects simultaneously, the company used Capitalia financing for settlements with suppliers and for material purchase.
Tags: Business loan
16.09.2022
With the constantly increasing material costs, construction companies and real estate developers are interested in finishing their projects sooner for lower costs. Sometimes the process can be sped up with additional financing.
Tags: Business loan
29.08.2022
Turbulent economic events tend to highlight the most stable industries which most successfully survive economic fluctuations. In the last two years, it can be seen that forestry is a stable value – it is an attractive industry both for the lenders and investors.
Tags: Investor relations, Business loan
29.08.2022
During recent years, the business environment has experienced various disruptions, where the difficulties caused by the pandemic are shifted into rapid energy and material price increases. Changing market conditions require careful planning and preventive actions in order to mitigate potential negative impacts. Although it is impossible to predict the future, there are numerous actions the entrepreneur can take to adapt to the changes in the business environment.
Tags: Investor relations, Business loan
29.08.2022
When a company is in a rapid growth stage, additional financial liabilities can create a burden on the development plans and even make the business spend all incoming cash flow on covering monthly payments. In order to avoid financial liabilities and keep control over the business, venture capital can be a convenient tool to reach the desired development goals.
Tags: Venture capital, Business loan
02.08.2022
Event Center is one of the leading event machinery and equipment rental company in Estonia. The company provides stage and fencing constructions and sound, light and video equipment for various concerts, seminars, sports, culture, and other events.
Tags: Business loan
26.07.2022
Visual Media SIA is one of the market leaders in the media industry – the company places large format advertising posters in Riga, and also sells the slots to marketing agencies. At the moment, the company has 30 advertising slots.
Tags: Business loan
13.07.2022
Latvian startup Aerones attracted seed investment of USD 9 million to develop robotic services for wind energy operators in the whole world.
Tags: Business loan
11.07.2022
Ceranos Invest, OU, is a well-known sea kayak manufacturer operating under brandname Seabird Designs. This spring Capitalia was proud to help the company execute its ambitious expansion plans.
Tags: Business loan
07.06.2022
During the last few months with the geographically close war activities and price increases, companies ofter find themselves in financial difficulties which cause payment delays. Before starting cooperation with a new business partner, it is important to verify that the client will pay on time. How to avoid potentially late debtors?
Tags: Business loan
07.06.2022
After the long months of winter and rain, the arrival of warm weather also starts the active season of forestry companies. In order to work faster, numerous forestry companies purchase new and slightly used forestry machinery and trucks, but not all companies have enough funds to purchase machinery.
Tags: Business loan
30.05.2022
Capitalia as a financier participated in RCG Lighthouse, SIA, share buyout. With the help of Capitalia financing, the founders and managers of the company bought 49% of shares that belonged to a venture capital fund.
Tags: Business loan
25.05.2022
In May 2022, Capitalia investment fund Co-Investment Fund purchased shares of Estonian unicorn Bolt in the total amount of EUR 300,000, that way becoming the first fund in Latvia to invest in this company.
Tags: Fund management, Business loan
24.01.2022
Capitalia encourages companies to think about and implement good environmental, social and corporate governance (“ESG”) standards. That is why already since 2018 ESG factors have been important components of Capitalia’s scoring and pricing for financing small and medium businesses in the Baltic countries
Tags: Business loan
13.01.2022
In January 6, 2022 pan-Baltic cloud software distribution company TVG was acquired by USA-based distributor Pax8. Capitalia acted as sole financial advisor to the owners of TVG in the business sale and search of the strategic investor.
Tags: Venture capital, Business loan
02.06.2021
The fast-growing Lithuanian start-up Rocketo, which produces and sells organic dog food, received EUR 200 thousand. venture debt. This is the first transaction of its kind where a venture debt is provided to a start-up by a local financier operating in the Baltic States. According to experts, this is a significant event for the Lithuanian, Latvian and Estonian start-up ecosystem, which opens up new financing opportunities for fast-growing start-ups, and at the same time provides a greater competitive advantage.
Tags: Investor relations, Business loan
08.04.2021
Until March 2020, my investing experience was concentrated in index instruments (ETFs) or in rare experiments in foreign shares. During the pandemic, I decided to pay more attention to what is happening in the Baltic Stock Exchange. Similarly to other investors I know, I was buried in prejudice that our stock exchange is illiquid and that it does not have many well-managed enterprises. However, that is not the case. Therefore, how and why invest in the Baltic Stock Exchange securities?
Tags: Investor relations, Business loan
07.04.2021
Capitalia is expanding its product offering to include leasing of heavy machinery and equipment to agricultural, manufacturing, and industrial sector companies. We aim to continue to complement the products offered by the traditional banks and our addition of leasing provides another useful tool for businesses to fund expansion and operations.
Tags: Business loan
26.02.2021
Capitalia expands its operations in the investment field by becoming an alternative investment fund management.
Tags: Business loan
30.01.2020
Year 2019 has been a dynamic one for Capitalia. We have issued a new record of EUR 20 million of loan and venture capital financing to small and medium businesses in the Baltic States. In addition, we have been the first alternative financing provider in the region to receive European compliance certificate for good code of conduct lending practices. So before jumping in the ambitious plans for the year 2020 let’s take a look how did the last period look in numbers.
Tags: Business loan
22.02.2019
Capitalia and the European Investment Fund (EIF) have signed an agreement on a guarantee instrument supporting small businesses in Latvia, Lithuania and Estonia, for a total amount of EUR 10 million. With this guarantee, small businesses will get better access to finance. The agreement is supported by the European Fund for Strategic Investments (EFSI), the heart of the Investment Plan for Europe, and by the Employment and Social Innovation (EaSI) programme
Tags: Business loan
16.03.2017
Capitalia has been interviewed by a blog specializing in reviewing and introducing various peer-to-peer investment opportunities. In the interview we describe our history and opportunities of investment in our loans that are sold through marketplace platform Mintos.com.
Tags: Business loan
01.10.2014
We are happy to have clients from various business sectors, who share their observations about our business financing products. We believe that it will be interesting and useful to our existing and future customers.
16.09.2013
Private entity ŠILUMA IR KO is producing storage tanks and bulk water heaters. Company is continuously expanding and has competitive adventage by supplying high quality products at attractive prices.
Tags: Business loan
25.07.2013
SIA “Sviestmaize” (sandwich in English) co-owner Edgars Runcis did not choose the name of his company at random – his first business in 2009 was indeed the sandwich business.
