NordicRate
Loans
All Loans
Personal LoansMortgageCar LoansBusiness Loans
Insurance
All Insurance
Motor (MTPL)CASCOHomeHealthTravelLife
DepositsCountriesBlog🚀 Startup
Sign inGet started

Get Rate Drop Alerts

Be first to know when loan rates fall across Nordic & Baltic markets

NordicRate

The leading credit comparison platform for Nordic & Baltic markets. Compare rates from 50+ banks and insurers.

DenmarkFinlandIcelandNorwaySwedenEstoniaLatviaLithuania

Products

  • Personal Loans
  • Mortgage Rates
  • Business Loans
  • Auto Finance
  • 🚀 Gov. Programs

Countries

  • Nordic Region
  • Baltic Region
  • All Countries
  • 🪪 e-Residency Hub

Information

  • About NordicRate
  • How We Make Money
  • Methodology
  • Rate Report (free PDF)
  • For Partners (B2B)
  • Borrowing Guides
  • Loan Calculator
  • Privacy Policy
  • Terms of Use
  • Cookie Policy
  • Imprint & Contact

© 2026 NordicRate. All rights reserved.

Rates are indicative only. Always verify directly with the institution before applying.

Reference rates sourced from the European Central Bank (EURIBOR) and Norges Bank, updated daily. Bank rates marked "live" are captured from the institutions' public websites with timestamps. All bank and institution names, logos and trademarks belong to their respective owners; NordicRate is an independent comparison service and is not affiliated with, sponsored or endorsed by any listed institution.

Home /Loans /Business Loans

Business Loans in Estonia

Financing for SMEs, startups and entrepreneurs · Launching soon

Cached Rates

Ask NordicAI about Business Loans

AI

EU programs, startup grants, SME financing — find what fits your business

Powered by NordicAI · llama-3.3-70b · Not financial advice

Business Loan Comparison Coming Soon

We are aggregating business loan offers from Estonian banks and fintechs. Sign up to be notified when we launch — including exclusive pre-negotiated rates for NordicRate users.

Working capital financing
Equipment & investment loans
Invoice factoring
EU-backed SME programs
Startup bridge financing
Compare Personal Loans

Current Business Lending Climate

Estonian SME lending rates track EURIBOR closely. With the ECB cutting rates throughout 2024–2025, variable-rate business loans are becoming more attractive. Nordic lenders such as SEB, Swedbank and LHV are actively expanding SME lending in the Baltic markets.

Typical SME rate

6–9%

Max term

10 years

Min amount

€5,000

Available Now — Interim Alternatives

Personal loans up to €50,000

Can be used for small business needs

EU & government programs

KredEx, Enterprise Estonia, EIF-backed

Mortgage-backed financing

For property-secured business credit