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Working capital loan

For short-term investments or for funding a specific project

  • financing of working capital when a new line of business is launched
  • additional working capital for the sourcing of a bigger batch of goods due to seasonality
  • financing of any short-term capital requirement arising during the completion of an order

Further information

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  • term of up to 2 years
  • collateral
    • mortgage over a registered immovable property (built-up registered immovable property, residential property, right of superficies)
    • guarantee by KredEx or MES, commercial pledge over the fixed assets or other movable property, a deposit, guarantee by a private individual or legal person
  • the loan may be repaid both in a one-off payment (funds received from the sale of assets in the future) or in instalments (monthly)

Required documents

  • overdraft facility application
  • financial statements
    • annual accounts for the past 2 financial years (audited accounts if subject to an audit obligation and no accounts have been submitted to the Commercial Register)
    • quarterly financial statements for the current financial year, not older than 2 months
  • expert assessment of the collateral, prepared by a real estate firm accepted by Coop Pank

Requirements forthe applicant

  • company registered in the Republic of Estonia of a self-employed individual registered in the Commercial Register
  • the equity capital of the company has to meet the requirements set by law

To apply for a loan

Review Coop Pank's price list.

Loan calculator


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Flexible solutions for bringing your company's ideas to life.


The calculation is approximate and may differ from the terms and conditions offered to you.