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The loan offered by Capitalia is a medium-term financing solution for companies to fund working capital and fixed asset investments. Our credit product is designed specifically for small and medium-sized businesses and serves as an addition or alternative to bank loans. We have compiled additional materials, information, and recommendations about obtaining financing in our Business growth resources section.

Capitalia loans are an alternative financing solution for companies. This means our funding serves as an alternative or supplement to traditional bank credit. It is also useful when a business needs funds quickly and with a simple process. Because we focus specifically on small and medium-sized businesses, our credit review and approval process is significantly faster than at many other credit institutions, while required documentation and procedures are notably simplified. Capitalia reviews loan applications from companies across almost all industries.

No, reviewing a loan application is free of charge. Regardless of whether the financing decision is positive or negative, we cover all evaluation-related costs ourselves. When granting a loan, we ask the client to cover loan setup and collateral registration costs (if applicable) according to our Price list.

Loan pricing and the interest rate are determined by assessing each company individually. Our proprietary creditworthiness calculator uses more than 100 parameters to determine the financing cost for each client. Returning clients with a strong payment history can receive future financing on more favorable terms.

Working capital loans are issued for up to 1 year, while investment project financing can be provided for up to 3 years. Regardless of the selected term, companies can always repay the loan early without penalties. If funds are needed irregularly and for short periods, we recommend our invoice purchasing service. For long-term project financing, our venture capital financing can be suitable.

Yes, a loan can be repaid before the contractual maturity date. In case of early repayment, the client only needs to cover the current month's interest payment and any unpaid loan management fees (if specified in the agreement).

Yes, Capitalia clients who already have active loans can apply for and receive additional financing for the same or related company. Each client is assigned and regularly updated with a credit limit, within which additional funds can be received within one business day.

Yes, Capitalia accepts and evaluates loan applications from companies that already have other liabilities, such as bank loans. Our financing is one of many tools in a company's funding toolkit and is typically used as a complement to commercial bank financing.

Repayment of company credit typically starts in the month following loan disbursement. When needed, we can agree on alternatives, such as interest-only payments during the first months after the loan is issued.