One of the most frequent obstacles to establishing and expanding a company is the lack of capital.

In the Baltic states, 80% of jobs are at small and medium-sized enterprises. It’s important for all of us that these companies are able to develop and grow.

Small and recently established companies are generally unable to receive loans from banks as they lack the necessary collateral, assets or history. Yet many of them are drivers of innovation and creators of jobs in the economy.

The role of KredEx in the finance market is to remove these obstacles to the smooth functioning of the market. We engage in cooperation with all stakeholders in the financial market, including all of the banks in Estonia.

Since our founding in 2001, KredEx loan guarantees have given companies access to around 1.4 billion euros in additional funding.

Our goal is to ensure a sufficient supply of local capital and comprehensive development of the venture capital and private capital market.

We offer financing support to recently established companies and developing businesses that have already proven themselves.

The funding needs and opportunities of companies in different phases of development vary. We have created conditions that help new companies grow and develop innovative products and services. We engage in cooperation with all stakeholders in the financial market, including all of the banks in Estonia.

Through funds of funds, we also supply venture capital. Our goal is to ensure a sufficient supply of local capital and comprehensive development of the venture capital and private capital market.

The KredEx subsidiary KredEx Krediidikindlustus AS helps Estonian companies hedge credit risks related to export and domestic sales due to unpaid invoices, which can curtail a company’s development.

We guarantee loans that apartment associations can use to renovate buildings and allow young families and professionals to buy a home.

KredEx Financial Services