ILTE Guarantees
Fueling SMEs with funding—even when collateral falls short
ILTE Guarantee – Empowering Your Business with Secure Financing
At EMBank, we partner with UAB ILTE, Lithuania’s national guarantee institution, to help small and medium-sized enterprises access financing more easily and confidently.
Through the ILTE Guarantee Programme, up to 80% of your loan or lease obligation can be guaranteed, reducing collateral requirements and enabling faster access to working capital or investment financing.
Advantages:
Benefits for Your Business
- Easier access to bank financing with reduced collateral requirements
- Lower financing costs: with interest compensation support, such proposal leads to improved company profitability
- Flexible structure: available for both loans and financial leases
- Supported by national and EU financial instruments, ensuring stability and reliability
Conditions
- Portfolio guarantees: The guarantee applies to a loan or lease transaction amounting to a maximum of EUR 2 812 500.
- Guarantee availability: For investment, working capital, or leasing finance
- Supported sectors: Manufacturing, services, trade, and agriculture (certain restrictions may apply)
Please visit Fees and Commissions page to see the applicable fees.
How does ILTE work? (Example case)
If your business takes a €1,000,000 investment loan, ILTE may guarantee up to €800,000 (80%) of the obligation. Remaining needed part of credit which has to be covered with collateral is only €200,000 – significantly lower amount. Therefore ILTE guarantee significantly increases borrowers’ ability to receive larger credit and expand business more.
Get Started
Speak to our sales team today to learn how an ILTE Guarantee can support your next investment, leasing, or working capital project.
👉 Contact us: [email protected]
Apply now!
Please provide the required information and we will contact you within 1 working day.
Frequently Asked Questions
What is ILTE guarantee?
The ILTE portfolio guarantee scheme for loans is designed to help small and medium-sized enterprises obtain funding when they lack collateral that meets the requirements of financial institutions. This guarantee applies to loans included in the bank’s loan portfolio and is accessible to such enterprises operating within the Republic of Lithuania.
How to apply?
Fill the application form for loan or contact with [email protected] for further details. For more information about ILTE, please visit https://invega.lt/en/financiers/guarantees/181/portfolio-guarantees-3-121
What are the main conditions for ILTE portfolio guarantee for loans?
The maximum loan amount is EUR 1,875,000; however:
– Road freight companies can receive up to EUR 937,500.
– Companies in primary agricultural production can access up to EUR 234,375.
– For businesses in fisheries and aquaculture, the limit is EUR 281,250.
These guaranteed loans are intended for financing both investments and working capital.
Funding options and durations include:
– Investment loans for a maximum of 120 months.
– Leasing or inverse leasing for up to 84 months.
– Lines of credit and working capital loans for up to 36 months.
Small and medium-sized enterprises (SMEs) have the opportunity to obtain multiple loans, as long as the total amount doesn’t exceed the de minimis aid granted to a single enterprise.