Working capital loan

Suitable for financing the short-term investments of a growing business

Free early repayment

Interest rate from 9.5%

Quick and easy loan application

Secure loan insurance


Does your company have a good investment opportunity but you need more money? We can offer you a working capital loan for this purpose. It’s objective is to cover the short-term financing needs of a company with existing cash flows with property as collateral. We want to help your business grow with this loan!

Additional information

Terms & Conditions

For whom?

A private limited company, public limited company or sole trader registered in Estonia. 

Loan amount

Amount from €25,000 to €800,000.

The amount of the loan offered and the interest rate will depend on the assessment of the value of the collateral and the financial status of the applicant.

Up to 70% of the value of the collateral will be financed, or up to 100% if extra collateral is provided.


3 months to 5 years

Interest rate

From 9.5% a year + 6 months Euribor

Agreement fee

1% of the loan amount

The agreement fee will be withheld when the loan amount is paid out.


Mortgage on property, additional surety if needed, guarantee.

Payment schedule

It’s possible to repay the loan on the basis of a bullet or annuity schedule.

Interest is paid monthly on outstanding loan balance.

It’s possible to repay the loan amount flexibly in installments, according to your possibilities.

Signing the agreement

Nordic Hypo AS will make an appointment with a notary. Remote attestation is possible.

At the client’s request, Nordic Hypo AS can pay the costs of registering the mortgage from the loan to be paid out.

Payout of the loan amount

The loan amount will be paid out in one or more payments, as necessary, in one banking day after the mortgage contract has been signed.

Early repayment option

Loan calculator

Loan amount €
300 000
25 000 800 000
Period in months
3 60

The calculator shows the standard interest rate and monthly installment as an example, which may differ from the terms and conditions offered to you.

A bullet schedule has been used as the example to show the monthly payment. 6-month Euribor will be added to the monthly payment.

Monthly interest payment

Quick and easy

Filling in the application is easy and you will get an offer in seconds. We’ll transfer the money to your account no later than the next business day.

Accessible everywhere.

You can submit an application at any time online or at the nearest branch. Personal identification can be conveniently done via computer or mobile phone.


Our professional employees are always there for you to find the best solution for your requests.