Leasing and business loans: how Fedelta helps you secure the best financing in Estonia
When growing a business in Estonia, the question of attracting financing inevitably arises. Securing favorable leasing for equipment or a business loan is a key step toward scaling. For Estonian companies and e-residents, transparent accounting and a flawless annual report are critical, as banks and leasing companies in Estonia meticulously analyze financial indicators.
Fedelta Accounting acts as more than just an accountant; we are your financial partner. We help you prepare all necessary financial documentation, optimize your balance sheet, and draft a solid business plan to secure the best financing. Our expert approach and years of experience working with Estonian financial institutions significantly increase your chances of successfully attracting investment. Discover how our service plans and accounting expertise can become your advantage in bank negotiations.
1. Leasing vs. Loan: What’s the difference for an Estonian OÜ?
For Estonian companies (OÜ), the choice between leasing and a loan depends on the goal and financial strategy:
2. What do banks evaluate when providing financing?
Credit institutions in Estonia focus on the following data, which directly depends on the quality of your accounting:
3. How Fedelta Accounting ensures success?
Our role as your accountant goes beyond simple bookkeeping:
4. How to start the financing process?
Don't waste time on self-preparation that might lead to a rejection. Turn to us!
Fedelta Accounting acts as more than just an accountant; we are your financial partner. We help you prepare all necessary financial documentation, optimize your balance sheet, and draft a solid business plan to secure the best financing. Our expert approach and years of experience working with Estonian financial institutions significantly increase your chances of successfully attracting investment. Discover how our service plans and accounting expertise can become your advantage in bank negotiations.
1. Leasing vs. Loan: What’s the difference for an Estonian OÜ?
For Estonian companies (OÜ), the choice between leasing and a loan depends on the goal and financial strategy:
- Leasing: Often used for acquiring fixed assets (vehicles, machinery). It usually requires a smaller down payment and is simpler to process.
- Business Loan: Provides cash that can be used for any purpose (working capital, investments, development). It requires a more thorough evaluation and stricter collateral.
2. What do banks evaluate when providing financing?
Credit institutions in Estonia focus on the following data, which directly depends on the quality of your accounting:
- Solvency: Analysis of the Profit and Loss statement and Cash Flow.
- Collateral: Evaluation of assets on the balance sheet.
- Reputation: Checking the company's history in the Commercial Register, including the timely submission of annual reports.
- Business Plan: Justification for the intended use of funds.
3. How Fedelta Accounting ensures success?
Our role as your accountant goes beyond simple bookkeeping:
- Financial Preparation: We optimize your balance sheet and reporting to show maximum financial attractiveness to the lender.
- Documentation: We prepare a document package that meets the strict requirements of Estonian banks, including justifications and flow forecasts.
4. How to start the financing process?
Don't waste time on self-preparation that might lead to a rejection. Turn to us!
- Consultation: We evaluate your current financial situation and goals.
- Optimization: We bring your accounting into perfect order.
- Application: We provide the bank or leasing company with a complete, professionally prepared document package.
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