International business lending

United BTC Bank specializes in lending to legal entities both in Latvia and abroad.

The loan is provided on the security of liquid commercial real estate in major cities of the European part of the Russian Federation, in the Republic of Belarus, as well as in other European countries.

The process of obtaining and repayment of the loan

United BTC Bank clients have the opportunity to receive a full range of credit products, including financing in the form of a classic loan or revolving credit line.

A classic loan is issued in one amount or in parts, in accordance with the project implementation schedule. Such a loan is repaid according to the previously agreed payment schedule.

The credit line is provided mainly to increase the working capital of the company and allows the company to replenish working capital within the limits of the limit provided, returning them when the company needs it.

The term of consideration of the application is up to two weeks from the moment of submission of the full package of documents.

The main terms of lending:

  • - Type of loan: loan / line of credit;
  • - Loan amount: from 2 million EUR;
  • - Interest rate: as agreed by the parties;
  • - Term: up to 5 years;
  • - Repayment schedule: up to 10 years;
  • - LTV up to 70% of the fair market value of the collateral;
  • - Currency: EUR;
  • - Commission for consideration of an application for financing: 0.1% of the transaction amount, but not less than EUR 5,000.


  • - Commercial real estate in the Russian Federation, the Republic of Belarus, Ireland, the UK, other EU and CIS countries by agreement with the bank;
  • - The loan amount can reach 70% of the fair market value of the existing collateral;
  • - Shares and assets of companies, personal and corporate guarantees.

Additional conditions:

  • - At least 3 years of experience in the credited sphere of business;
  • - Positive equity and profitability of the company;
  • - Availability of cash flow sufficient to pay interest and principal amount;
  • - Registration of pledges and their insurance.

Questions about the loan and its conditions are considered by the Credit Committee of the Bank. The loan is issued only after the signing of the loan agreement, other documents and the fulfillment of all necessary conditions. The Bank does not consider applications for financing projects with signs of speculative transactions.