27.06.2025 - Extraordinary loan guarantee to support the economy The extraordinary proportionate guarantee can be used by undertakings whose activities have been negatively affected by Russia’s attack on Ukraine, as well as to mitigate the impact of the increase in energy prices. NB: The extraordinary guarantee...

20.06.2025 - Loan guarantee A loan guarantee is useful if a company wishes to use a bank loan, a lease or bank guarantee but lacks sufficient collateral or operating history to be issued a loan. NB! EIS surety can only serve as an additional guarantee for a new obligation (bank loan, lease transaction or bank gu...

25.05.2026 - Laenukäendus A loan guarantee on market terms is designed for businesses that require additional collateral for a bank loan, lease financing, or bank guarantee, but are not eligible for a standard loan guarantee due to restrictions related to state aid rules. Please note: an EIS loan guarantee on ma...

20.06.2025 - Housing loan guarantee The housing loan guarantee is meant for people who desire to take a loan for buying or renovating housing and seek to reduce their down payment obligation. The housing loan guarantee makes it possible to buy an apartment, house, plot of land or summer cottage. In such a case...

20.06.2025 - Rural housing loan guarantee The Rural Housing Loan Guarantee enables people to buy and renovate a home in the countryside. With the rural housing loan guarantee, it is possible to purchase an apartment, a residential house, a plot of land, or a summer cottage. In the case of purchasing a plot, the...

27.06.2025 - Starter loan The EIS start-up loan is intended for small and medium-sized enterprises that have been operating for up to three years, for financing their company investments and/or circulating capital. Please Note! It is not allowed to use the EIS start-up loan to refinance other obligations, nor to...

25.06.2025 - Capital loan Fund your company's growth even when a bank loan alone is not enough. If your business model works and you are facing major growth, expansion or investment, conventional bank financing may not be enough. The EIS capital loan gives your company additional capital to fund its next stage o...

25.06.2025 - Industry loan Make a bigger investment in production with less self-financing. The industry loan helps your company make a larger investment even when the bank or leasing company will not finance the entire project. The EIS industry loan complements the bank or leasing financing, so you can invest w...

25.06.2025 - Regional loan Invest in your company's growth outside Tallinn and Tartu with less self-financing. If a bank or leasing company is ready to finance your investment but the required self-financing is too much for your company, the EIS regional loan can cover the shortfall. This lets you carry out the...

27.04.2026 - r service, costs often arise well before the solution starts generating revenue. The EIS innovation loan helps finance exactly this stage of development, from applied research and product development to investment and market entry. This lets you move forward with development even when conventional b...

20.06.2025 - Apartment building renovation loan The loan is directed towards those apartment associations that have received a negative response to their renovation loan application from a bank or an offer with unreasonable terms (e.g. very short term, an interest rate that is significantly higher than usual...

25.06.2025 - Loan guarantee for apartment associations A loan guarantee is suitable for apartment associations who want to take a bank loan for financing work performed to raise the quality of life for their residents but whose risk is deemed by banks to be higher than normal (e.g. a high share of people are in...

25.06.2025 - Export loan Offer foreign buyers a long payment term and get your money sooner. In a large export deal, the buyer may want to pay for the goods over several years. For your company, this can mean a large sum of money is tied up in a single transaction for a long time. The export loan helps you offer...