Capitalia
Become a clientMy account

Capitalia company news,

opinions and information for our investors

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

Featured articles

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…

Audited fund financial statements for 2025

Capitalia Fund Management AIFP, SIA is a registered Alternative Investment Fund Manager. It currently manages five funds. Pursuant to the Section 56 of Law on Alternative Investment Funds and Manager…

Baltic microenterprises to get €15 million financing boost under EIF-backed initiative

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 E…

News by tag "Financing"

Baltic microenterprises to get €15 million financing boost under EIF-backed initiative

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, Capitalia, Financing, Business loan, Business financing

Seasonal financing for a retail store

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: Financing, Business loan, Business financing

Capitalia Co-Investment Fund invests in freelancer-tech platform Xolo

21.09.2023

Summer has ended with another great investment for Capitalia Co-Investment Fund - the fund has concluded an investment deal with an Estonian startup Xolo OÜ in the amount of EUR 150,000. The lead investor for this investment round was Karma Ventures and this is the 10th investment for Capitalia’s Co-Investment Fund which was founded in autumn of 2021.

Tags: Fund management, Venture capital, Investor relations, Investors, Financing, Business financing

How to prepare for changing market conditions

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: Financial results, Financing, Business financing

Venture capital for business development

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, Financing, Business financing

Capitalia doubles its financing portfolio in 2021 and launches two alternative investment funds

10.02.2022

Last year, Capitalia issued more than 20 million euros of debt financing to more than 200 businesses in the Baltic States. For the third year in a row, more than half of funding was allocated to Latvian companies, while Lithuania and Estonia share the remaining part equally. To increase the attraction of funding for companies in the Baltic states, Capitalia has launched two alternative investment funds and made its first venture capital investments.

Tags: Fund management, Venture capital, Investors, Financing, Business financing

Capitalia provides first local venture debt deal in the Baltics

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: Investors, Capitalia, Financing

Why is it worth investing in Baltic Stock Exchange?

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: Investors, Financing, Business financing

Capitalia unaudited interim financial statements for Q2, 2019

23.07.2019

In the first half of 2019 Capitalia reported turnover of EUR 607 thousand and profit of EUR 116 thousand. The results are good reflection of the result of our strategy shift that was implemented over the course of the last year and as a result of which the Company is concentrating on financing of larger businesses through co-financing with other investors.

Tags: Investors, Capitalia, Financing

Capitalia concludes a EUR 10 million agreement with European Investment Fund

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: Capitalia, Financing, Business loan, Business financing

Capitalia has over EUR 3 million of loans to businesses

11.05.2016

During the year 2015 Capitalia has issued over 3 million of loans to small and medium sized businesses in the Baltic States. The financing offered by the company was used by 237 companies. Average issued loan amount to one company was EUR 9 000 while average term was 12 months. Most business loans were issued to companies in retail and manufacturing industries. Notably, most of the clients have been companies from the regions.

Tags: Financing, Business loan, Business financing

AS Capitalia expands cooperation with marketplace platform Mintos

04.02.2016

Investors are offered to invest in invoice backed short-term loans. From today, February 4, marketplace platform Mintos will offer to its investors an opportunity to invest in AS Capitalia loans that are backed by issued but yet unpaid invoices. This enables to invest in invoices that small and medium sized companies have issued to largest enterprises in the Baltic States.

Tags: Capitalia, Financing, Business loan, Business financing

Capitalia starts financing small and medium sized businesses also in Estonia

26.01.2016

Capitalia, represented in NASDAQ Riga stock exchange, is the leading alternative financing provider for small and medium enterprises in Latvia and Lithuania. It offers modern and simple loans to businesses that often are overlooked by the traditional banking sector. To date Capitalia has financed working capital and investment needs of more than 500 enterprises investing over EUR 12 million. From January 2016 company has obtained necessary permits and will start servicing clients also in Estonia.

Tags: Capitalia, Financing, Business loan, Business financing

Capitalia launches innovative financing product for small and medium enterprises – invoice purchasing

29.09.2015

From today JSC Capitalia will provide new finance product for small and medium enterprises – invoice purchasing. Invoice purchasing is an easy and convenient way for businesses to improve cash flow and increase working capital. With this product companies can sell their issued invoices for goods or services and receive payment already on the following day. This new and innovative financing product is a modern alternative to traditional factoring provided by commercial banks.

Tags: Financing, Alternative financing

Business loan availability in Lithuania

30.08.2013

Even though banks’ lending policies are getting milder and business loan portfolio size is forecasted to continue increasing, many companies will still not qualify for bank or credit union loan. In previous survey of commercial banks by Bank of Lithuania results revealed expected increase in demand for business loans of 38%; however portfolio grew only by 2%. Furthermore current survey shows that increase in demand is going to be even bigger for next period and is estimated at 60%. As a result business loans portfolio will be increasing; however big part of this demand will not be satisfied by banks and credit unions.

Tags: Business loan, Financing, Business loan, Alternative financing

Business loan availability in Latvia

16.08.2013

Twice per year the Bank of Latvia conducts a commercial bank survey including research of demand for business loans. Most of the banks since year 2010 have reported increasing demand for the particular type of financing. The trend seems to be clear and evident as the Latvian economic situation has experienced solid growth that in turn stimulates the entrepreneurial optimism and the desire to invest in business development. However, according to the quarterly report of The Financial and Capital Market Commission, despite the increasing demand, the total commercial bank business loan portfolio is declining.

Tags: Business loan, Financing, Business loan, Business financing, Alternative financing

Tags

Business financingFinancingInvestor relationsFinancial resultsCapitaliaBusiness loanInvestorsFund managementCrowdfundingBusiness loanAlternative financingVenture capitalBusiness financingStart-upsVenture capital