Replenishment of working capital

Working capital loan means the one-time replenishment of the company’s working capital or implementation of expansion plans, aiming to help the company react quickly to changes in the market, to competitors’ actions, or to balance its temporary cash flow.

The loan is intended for investment and economic development:

• Purchase or construction (reconstruction) of real property;
• Equipment;
• Production lines;
• Upgrading agricultural machinery or technology;
• Financing of agricultural business development projects.

• Repayment of the loan to the bank is made in equal or varying instalments according to a repayment schedule agreed between the customer and the bank, depending on your cash flow, seasonality of operations, etc.
• Loan repayment may be secured against real property or other property, or by providing guarantees of Investicijų ir verslo garantijos UAB (INVEGA) (the real or personal property to be pledged must be appraised by independent property valuers).

If you are not satisfied with the terms of your existing loan at another financial institution, take advantage of the refinancing option at our bank:

• Get more favourable terms and save your company money;
• Reschedule the repayment of your loan to fit your company’s current cash flow;
• Extend the repayment term or postpone the payments;
• When borrowing, maximise the value of the collateral by obtaining a larger loan amount;
• Remove any restrictions or additional requirements imposed by your current creditor;
• Consolidate several different loans into one, making it easier for you to manage your existing loan agreements.

The valuation of the collateral is carried out by independent partners of Urbo Bankas.