We believe in Your goals
From ambitions to growth
Cash flow funding
- Up to 300'000€ support for growth
- Lower interest rates from 0.5%
- Fast free closing
- Funding in account within 5 minutes
3000+ companies trust us
Receive cash flow funding from 0.5% without collateral, from 10’000€ to 300’000€ and achieve your business goals
Great for any of your goals
How much funding you need?
10 000 €
Choose cash flow funding term (in months)
Monthly payment
1 755 €
Total interest 530€
Want to know your exact personalized interest rates? Apply now! The calculator provides indicative rates, but you'll get a tailored offer after you submit your application.
Support that drives your business growth and success
- Increase working capital for business expansion
- Purchase materials and supplies to ensure continuity
- Renew and acquire fixed assets to start new projects
- Any other business development goal that helps achieve success
Fixed and affordable payments with cash flow funding
- Borrow from 10’000€ to 300’000€
- Repayment term up to 3 years
- Early repayment without penalty fees
- No additional fees
What clients say about Cityfinances
To fulfill a large order in geospatial information system development, we needed additional working capital. Cityfinances quickly offered a solution, and the funds were in our account the next day. We were pleasantly surprised by how fast and easy the process was.
In the transport industry, every day of downtime is a loss. When a vehicle needed urgent repairs, we chose Cityfinances. Thanks to their fast, unsecured funding, the vehicle was quickly back on the road, and we were able to settle our tax debts.
When opening a playroom in a new shopping center, we needed funds to purchase equipment and set up the space. Since the required funding was significant, we were worried about bureaucratic hurdles. But with Cityfinances, everything happened very quickly and easily. We highly recommend Cityfinances as a reliable partner!
We were pleasantly surprised by the service quality and speed when starting our partnership with Cityfinances. The funds were transferred to our company's account within 5 days of submitting the application. Cityfinances is now our financial advisor, and we've gained a reliable and secure partner.
Fast and simple cash flow funding – funds in your account within minutes
- Complete the application 15 seconds
- Evaluation and approval 5 minutes
- Sign the contract 5 minutes
- Receive funds in account 5 minutes
How does cash flow funding work?
When you receive cash flow funding, the lender will provide a one-time amount of money that you will need to repay within a specific timeframe. The funds must be used for business purposes such as launching new products and services, replenishing working capital, purchasing new equipment, and other business needs.
Cash flow funding without collateral is provided to industries such as Construction, Transportation, Logistics, Wood Processing and Forestry, Metalworking, Agriculture, and other sectors that require working capital.
If you’ve previously been denied cash flow funding, you may want to consider the following steps before applying for another loan:
- Review financial data;
- Improve your credit rating;
- Pay off outstanding debts;
Once these actions are taken, you may be able to reapply for cash flow funding.
We aim to help as many businesses as possible access funding and approve thousands of loans every year. To make it easier for business owners to obtain funding, we’ve made the application process quick and easy. Apply for Cash Flow Funding without collateral and appreciate the speed.
To be eligible for a loan, you need to meet the following criteria:
- The business must have been operating for at least 6 months;
- The average monthly turnover must be at least 5’000€;
- The business must be based in Latvia.
How much will cash flow funding cost?
The cost of the loan depends on the amount you wish to borrow and the type of financing service you choose. We charge a one-time fee for issuing the loan. The interest rate is calculated based on several factors, including your business’s financial data and growth potential.
If you wish to repay cash flow funding before the term ends, you do not have to pay the remaining interest for the unused period. All our loans have fixed rates, so you will know exactly how much you need to pay each month and what the total loan costs are.
Interest rates start from 0.5%, but each business is assigned an individual rate based on its financial stability and ability to repay.
The standard term for cash flow funding without collateral is from 1 month to 3 years. If a longer loan term is needed, our credit specialists will create a tailored repayment term for your cash flow funding.
Once you’ve completed our application, you’ll receive an email requesting the necessary documents:
- The company’s bank statement for the last 12 months;
- The latest balance sheet.
You can borrow from 10’000€ to 300’000€. If you wish to repay earlier, the interest rate is calculated only for the time period used.
Cityfinances Business loan is a friendly loan for advancing your company and boosting business growth.
Insufficient finances are often the reason for slowed business growth and could negatively affect development of your company. To avoid that, Cityfinances consultants have developed the Business loan solution, which is specifically intended to meet the needs of small and medium size companies of any field of business.
Apart from other financial institutions that prefer projects with lower risk and require securities, Cityfinances Business loan is a perfect chance to advance your business in its development phase when it is so crucial to have fast access to financing for jumpstarting new projects. Our Business loanwill also help to speed up the pace of your business, expand manufacturing and materialize bold innovations.
Thisis a comfortable solution with friendly interest rate that is easier to receive. Terms for Business loansare applied individually.
We, Cityfinances, believe that realization of long-term quality projects is the driving force of any business, therefore we will help your company grow!
Loan amount: from EUR 10000 to EUR 200 000*
Term: from 1 month to 2 years*
Necessary documents: operating balance, profit or loss statement, bank statement, short project idea description that includes a motivated statement of the reason for financing, as well as the planed repayment term.
Interest rate: starting at 0.5% per month
Other expenses: in accordance with the price list.
*In the event a larger loan amount or longer repayment term is necessary, we encourage you to contact our consultants. By conducting a case by case evaluation, it is possible to receive an individual Business loan offer that is made just for you.
| Processing fees | |
| Loan application evaluation | Free |
| Early loan repayment | Free |
| Processing invoices that do not exceed EUR 1000.00 | 20.00 EUR |
| Pledge registration | 20.00 EUR |
| Pledge processing | In accordance with State fees and Notary price lists |
| Amending repayment schedule | 2% of the remaining loan amount, minimum commission fee: EUR 250.00 |
| Business loan | 3.5-5% of the loan amount, minimum commission fee: EUR 350.00 |
Clients who use the Business loan solution for the second time can receive 30% discount of the processing fees.
1.Apply for a loan
Fill out the application form on Cityfinances webpage.
Filling out the application form for receiving Business loan will only take 5 minutes.
2. We will review your application within 2 hours.
After verifying all information, Cityfinances consultants will review your application. If the project is accepted, we will prepare an offer. We will provide a response on availability of a Business loan and its terms within 2 hours to one day.
3. Receive a Business loan in just 1 day
After signing the contract, Business loan amount will be transferred to your account within 1 hour. The transfer takes approximately 1 day, depending on the receiving bank.
What kind of companies Cityfinances Business loan is suitable for?
Cityfinances Business loan is suitable for financing and encouraging growth of small and medium size companies of any field of business.
Cityfinances ensures friendly and accessible loan to any entrepreneur, therefore we encourage you to get in contact with our consultants to find the most suitable solution for you.
Why Cityfinances?
Cityfinances Business loan is friendly and available and is ranging from EUR 10000 to EUR 200 000 with interest rate of 0.5% per month, and term – up to 2 years, and is available for companies of any field of business for encouraging their business growth and advancement.
Do I have to pay for application review?
Applications are reviewed free of charge. You also have an opportunity to receive free consultations and information on other Cityfinances financial services.
How is interest rate determined for a Business loan?
Interest rate is determined for each company individually. Our consultants have developed a unique project review method, which is based on scoring and uses various parameters for creating an individual offer. In such way, the interest rate is determined in a fast and effective manner. Companies that meet their loan obligations timely and responsibly receive exclusive offers.
Is it possible to repay the Business loan before term?
Yes, it is possible to repay it before the term listed in the contract without additional penalty fee.
What is the possible term for issuing a Business loan?
Standard term ranges from 1 month to 2 years. However, if a longer term is necessary, our consultants will tailor the term to your individual needs.
Are there any fields of business that Cityfinances do not cover?
Cityfinances clients represent a wide range of fields of business. The requirement is that the applicant is a company registered in the Republic of Latvia.
My company needs a Business loan that exceeds EUR 200 000. Is it possible to receive larger amount?
Cityfinances mitigates lender risks, however, in certain cases it is possible to receive a quick Business loanup to EUR 1 000 000. In such cases, we encourage you to contact our consultants for individual application review.
Do you finance companies with financial difficulties?
We evaluate all reasons the company is having financial difficulties and what is being done to overcome it and not allow it to happen in the future. It is important to see if the entrepreneur is seeking financing to repay the loans, or he has a plan on how to resolve the situation and start earning. In such cases Cityfinances carefully evaluates risks associated with the project as well as the entrepreneur profile. In accordance with requirements laid down in laws and regulations, we encourage you to evaluate your ability to take on more financial obligations and repay it, so you do not worsen your existing financial situation.
What to do if I have a negative credit history – I am included in debtor data base?
In such case we look at the status of your debt. If it is cleared and your company dynamics are positive, then a negative note in debtor data base will most likely not create any problems for receiving a Business loan. If you have existing debt then we will evaluate the difference between the debt amount and company turnover and profit, as well as –the reason for not paying the debt. Our traditional practice is to encourage entrepreneurs to clear their existing debt before applying for new loans.
Is it possible to combine several liabilities witha Business loan?
It depends on the exposition of the existing loans against existing securities as well as the current loan amount against company profit. Such cases are treated individually depending on the project and previous payment track.
By what criteria do you evaluate projects?
Cityfinances consultants have developed a unique methodology for evaluating projects, which is based on scoring. This method allows for fast and effective project evaluation. In case of very specific projects, we involve experts from different fields.
