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For whom is technology loan designed?

Technology loan is designed for export-oriented enterprises in the areas of processing industry, mining industry, production, transfer and distribution of electrical energy and waste processing and disposal, investing into machines and devices.

Technology loan helps if a bank loan or leasing is used for an investment, but the entrepreneur lacks the required capital for self-financing. Similarly to the owner of the enterprise, KredEx gives capital as a subordinated debt to the disposal of an entrepreneur, which in the eyes of other financers increases the self-financing of the enterprise. That makes it possible to receive additional leasing or bank loan an thus helps the company to grow quicker. KredEx does not interfere in the management of the enterprise having received a loan.

What are the main requirements to an applicant?

  • the company has been registered in the commercial register of the Republic of Estonia
  • the company has no overdue unpostponed debts
  • the company is sustainable and solvent
  • the equity capital of the company meets the requirements of the commercial code
  • members of the board and owners of the company are reliable and competent
  • the equity capital of the company* and self-financing total at least 50% of the amount of the subordinated loan applied for 

Necessary documents and additional material


Application form of technology loan (to be filled by the customer account manager at the bank)
Table of financial forecasts

Additional material

General terms of technology loan 

The technology loan is financed from the European Regional Fund.

How to apply for the technology loan?

To apply for the technology loan, firstly it is necessary to contact a bank or leasing company to obtain a decision regarding the issuing of a bank loan or leasing.

In the event of a positive decision of the bank or leasing company, an application for the Technology Loan shall be completed, enclosing:

  • financial forecasts on the form of KredEx
  • business plan, including the investment project plan
  • a decision of a credit or financing institution’s competent authority regarding the issuing of loan or leasing
  • report of the most recent financial year
  • balance sheet and income statement of the current financial year, provided that no more than two months have passed from the end of the reporting period at the moment of submission of the application
  • CVs of the key persons of the company

Technology loan is issued by the following banks: Coop PankLHV Bank, Luminor, SEB Liising, Swedbank, Swedbank Liising, Estonian Affiliate of SIA UniCredit Leasing, Danske Bank.


Please read the technology loan terms and consult our customer account managers if necessary.

  • Mihhail Knut

    Client Manager

    (+372) 667 4103

  • Natalja Pauku

    Client Manager

    (+372) 667 4106

  • Jaak Tikko

    Client Manager

    (+372) 667 4107

  • Kairi Ehrpas

    Client Manager

    +372 667 4105