ILTE Business Support Programs with EMBank
Support for Loans, Guarantees & Interest Compensation
Access state-supported financing solutions that help SMEs and businesses grow by reducing borrowing costs, increasing collateral strength, and improving loan accessibility.
Why ILTE Support Matters?
ILTE is Lithuania’s national promotional institution that helps businesses secure financing that might otherwise be unavailable or costly. ILTE does this by:
- Compensating interest costs on eligible loans
- Providing individual guarantees
- Supporting access to working capital and investment financing
- This support is delivered through cooperation with financial intermediaries such as banks and lenders.
Interest Compensation for Business Loans
What Is It?
Under the interest compensation program, businesses may be reimbursed for part of the interest paid on eligible loans from participating financial intermediaries. This lowers the effective cost of borrowing and supports long-term financial stability.
How It Works?
- Borrow a business loan through a participating bank or financial intermediary.
- The intermediary reports interest paid to ILTE.
- ILTE reimburses eligible interest amounts from state budget funds.
- Reimbursements are subject to available funding and program conditions.
Key Benefits
- Lower cost of financing
- Improved cash flow for SMEs
- State-backed reimbursement
Individual Guarantees
These are issued on a loan-by-loan basis and can cover a percentage of the loan amount (often significant, e.g., up to 80%). They help businesses secure funding—especially when they don’t have enough traditional collateral.
Who Can Benefit?
- Small and medium-sized enterprises (SMEs)
- Businesses of all sizes depending on instrument type
Advantages of Guarantees
- Up to 80% coverage of loan principal under many guarantee programs
- Facilitates access to both investment loans and working capital loans
- Helps reduce lender risk and unlock financing that would otherwise be unavailable
EMBank is a partner of the Individual Guarantee Program by ILTE. You can see more information about this programme from https://ilte.lt/en/services/114/individual-guarantees-for-loans-78
Apply now!
Please provide the required information and we will contact you within 1 working day.
