Government & Startup Programs
Financial support, visas, and digital services for digital nomads, e-residents, and entrepreneurs in Nordic & Baltic countries.
Digital Nomad Hub
The Nordic & Baltic region is one of the best in the world for digital nomads. Estonia leads globally with the first digital nomad visa (2020), Latvia and Lithuania followed. Pair your visa with an EU bank account and e-Residency for full remote business freedom.
e-Residency & Digital Business
Estonia's e-Residency program lets anyone in the world register an EU company and access banking remotely. Over 100,000 e-residents from 170+ countries use it. Open an LHV or Wise Business account with your digital ID card.
38 programs found
Estonian Police and Border Guard Board
Digital Nomad Visa
Estonia was the first country in the world to introduce a Digital Nomad Visa in 2020. Remote workers earning at least €3,504/month can legally live and work in Estonia for up to 1 year.
Max Term
1y
Office of Citizenship and Migration Affairs of Latvia
Digital Nomad Visa
Latvia introduced the Digital Nomad Visa in 2021 for non-EU citizens working remotely. Stay in Riga for up to 1 year with access to Schengen Area.
Max Term
1y
Migration Department of Lithuania
Freelancer / Startup Visa
Lithuania offers a Startup Visa for entrepreneurs and a freelancer-friendly temporary residence permit. Vilnius has a growing tech ecosystem with low taxes and EU access.
Max Term
3y
Governor of Svalbard (Sysselmannen)
Svalbard Visa-Free Access
Svalbard (Norway) is visa-free for all nationalities under the Svalbard Treaty. Remote workers can stay indefinitely — unique in Europe. Note: no ferry to mainland Norway without Schengen.
Útlendingastofnun (Directorate of Immigration)
Long-Term Visa (Type D)
Iceland offers a 6-month long-term visa for remote workers. Though not branded as a "digital nomad visa", it permits extended stays for location-independent workers.
Max Term
6m
EIS (Ettevotluse ja Innovatsiooni SA, formerly EAS)
e-Residency Program
Estonia's e-Residency is a transnational digital identity that allows anyone in the world to establish and run an EU-based company online. Over 100,000 e-residents from 170+ countries have used it.
LHV Pank
e-Resident Business Banking
LHV Pank is the go-to bank for Estonian e-residents. Open a fully functional EU business bank account remotely using your e-Residency card. Supports SEPA, SWIFT, and multi-currency.
Wise (formerly TransferWise)
Wise Business Multi-Currency Account
Wise Business (EU-licensed, EE branch) offers multi-currency accounts ideal for digital nomads and e-residents in Nordic & Baltic countries. Hold DKK, SEK, NOK, EUR, GBP and 50+ currencies.
Revolut Bank UAB
Revolut Business (EU Banking)
Revolut Bank is licensed in Lithuania and serves the entire EU. Business accounts for startups, SMEs and nomads with powerful financial tools. Hold and exchange 25+ currencies instantly.
Paysera LT
Paysera Business Account
Paysera is a Lithuanian fintech licensed as an Electronic Money Institution in the EU. Very popular in Baltic countries for affordable SEPA payments and business accounts.
KredEx (Enterprise Estonia Group)
KredEx Startup Loan
KredEx provides startup loans and credit guarantees to Estonian companies and e-Residency companies. Startup loans up to €300,000 with favorable terms for early-stage businesses.
Max Amount
€300K
Rate from
4.5%
Max Term
5y
EIS (Ettevotluse ja Innovatsiooni SA, formerly EAS)
EAS Startup Grant
Enterprise Estonia (EAS) provides grants, advisory services, and support programs for Estonian startups. The Startup Estonia program is a government initiative to make Estonia the best place to start a company.
Max Amount
€200K
ALTUM (State Development Finance Institution)
ALTUM Micro Loan
ALTUM is Latvia's state development finance institution. The microloan program supports small businesses and startups with loans up to €25,000 at preferential rates — no collateral required for small amounts.
Max Amount
€25K
Rate from
3.0%
Max Term
5y
ALTUM (State Development Finance Institution)
ALTUM Startup Loan
ALTUM's startup loan program targets innovative Latvian startups with loans up to €200,000. Combined with guarantee programs to help young companies access commercial bank credit.
Max Amount
€200K
Rate from
4.0%
Max Term
6y
Invega (Investment and Business Guarantees)
Invega Loan Guarantee
Invega provides state guarantees for bank loans in Lithuania, enabling SMEs and startups to access credit they would not otherwise qualify for. Covers up to 80% of the loan amount.
Max Amount
€5.0M
Finnvera (State-Owned Specialised Financing Company)
Finnvera SME Loan
Finnvera is Finland's official export credit agency and SME financier. SME loans up to €1M with state-backed guarantees, particularly useful for small companies without significant collateral.
Max Amount
€1.0M
Rate from
3.5%
Max Term
10y
Business Finland
Business Finland Innovation Funding
Business Finland provides grants and loans for R&D and innovation projects. Startup grants, market access funding, and innovation loans for Finnish companies aiming for international growth.
Max Amount
€500K
Rate from
1.0%
Innovasjon Norge
Innovation Norway Basic Loan
Innovation Norway (Innovasjon Norge) offers basic loans to Norwegian startups and SMEs at preferential rates. Loans from NOK 500,000 to NOK 3M for companies with significant growth potential.
Max Amount
3.0M NOK
Rate from
5.0%
Max Term
7y
Almi Företagspartner AB
Almi Business Loan
Almi is Sweden's government-owned business lender, providing loans where commercial banks cannot. Business loans from SEK 100,000 to SEK 10M for startups and growing SMEs.
Max Amount
10.0M SEK
Rate from
6.0%
Max Term
6y
Vækstfonden (Danish Growth Fund)
Vækstfonden Growth Loan
Vækstfonden is Denmark's state investment fund providing loans, guarantees, and venture capital to Danish startups and SMEs. Growth loans from DKK 500K to DKK 10M.
Max Amount
kr.10.0M
Rate from
6.0%
Max Term
7y
Byggðastofnun (Regional Development Institute)
Regional Development Loan
Byggðastofnun provides subsidized loans for businesses outside Reykjavik metropolitan area, supporting regional development and job creation in rural Iceland.
Max Amount
150.0M ISK
Rate from
7.0%
Max Term
10y
European Investment Bank (EIB)
EIB SME Finance (via local banks)
The EIB provides funding to SMEs in Nordic & Baltic countries through local partner banks (Nordea, SEB, Swedbank, etc.) at below-market rates. Loans from €25K to €12.5M.
Max Amount
€12.5M
Rate from
2.5%
Max Term
10y
European Investment Fund (EIF)
EIF SME Guarantee Facility
The EIF provides guarantees to banks lending to SMEs, enabling businesses to access credit at better terms. Works through local banks in all Nordic & Baltic EU member states.
European Commission
Horizon Europe R&D Funding
Horizon Europe is the EU's flagship R&D program with €95.5B budget for 2021–2027. All 8 Nordic & Baltic countries participate. EIC Accelerator for startups: grants up to €2.5M + €15M equity.
Max Amount
€2.5M
European Commission / EIB Group
InvestEU Programme
InvestEU mobilises public and private investment across the EU. The programme focuses on sustainable infrastructure, innovation, digital economy, and social investment in all 8 NB countries.
Max Amount
€50.0M
European Commission / EIF
EaSI – Social Entrepreneurship Finance
The EaSI (Employment and Social Innovation) programme supports social enterprises and microfinance for vulnerable groups across all EU member states including Estonia, Latvia, Lithuania, Denmark, and Finland.
Max Amount
€500K
Rate from
2.0%
Húsnæðis- og mannvirkjastofnun (HMS)
HMS Housing Fund Loan
HMS is the Icelandic Housing and Construction Authority. It provides subsidized housing loans for individuals, particularly first-time buyers and lower-income households, with government-backed rates.
Max Amount
100.0M ISK
Rate from
4.5%
Max Term
30y
SBAB Bank (Government-Owned)
SBAB First-Time Buyer Loan
SBAB is Sweden's government-owned mortgage bank with a mission to promote competition in the housing finance market. Competitive mortgage rates with a strong sustainability profile.
Max Amount
15.0M SEK
Rate from
3.4%
Max Term
30y
F6S Network
F6S — Grant & Accelerator Applications
F6S is the application platform most European accelerators, EU-funded programmes and grant schemes use to collect applications. Rather than a single fund, it is the front door to thousands of open calls — filter by country and stage to see what is currently accepting applications in your market.
European Innovation Council
EIC Accelerator
The EU flagship instrument for high-risk, high-impact innovation. Combines a grant for development work with optional direct equity investment through the EIC Fund. Highly competitive and aimed at companies with a technology breakthrough rather than at general business expansion.
Max Amount
€2.5M
Startup Estonia (EIS)
Startup Estonia — Programmes & Support
The national programme coordinating Estonia startup ecosystem support: founder programmes, the Startup Visa for non-EU founders, and signposting to current grant and accelerator calls. The natural first stop before applying anywhere else in Estonia.
Prototron (Tehnopol, Swedbank, Tallinn)
Prototron Prototype Fund
An Estonian fund for turning an idea into a working prototype. Runs in application rounds and is aimed at very early teams — the stage before revenue, where most loan and investment routes are closed. Grants are modest but come with mentoring rather than equity dilution.
Startup Wise Guys
Startup Wise Guys Accelerator
One of the largest B2B accelerators in the Baltics, running sector-focused programmes with investment in exchange for equity. Provides capital, structured mentoring and access to an investor network — a different trade from a grant, since you are selling a stake rather than receiving free funding.
Innovation Agency Lithuania
Startup Lithuania — Programmes & Startup Visa
The national gateway to Lithuania startup ecosystem: the Startup Visa for non-EU founders, accelerator listings and current innovation funding calls. Useful as the discovery layer before applying to individual Lithuanian instruments.
Investment and Development Agency of Latvia (LIAA)
Magnetic Latvia — Business Support & Incubators
Latvia state agency for investment and export development, running business incubators, innovation support and export promotion. Incubator participation typically provides subsidised services and grant co-funding rather than a cash award.
Vinnova — Sweden's Innovation Agency
Vinnova Innovation Funding
Sweden national innovation agency, funding R&D and innovation projects through open calls rather than a single standing programme. Awards are grants, so no equity is taken, but calls are thematic and you must fit an open one.
Innovationsfonden
Innovation Fund Denmark
Denmark public fund for research-based innovation, supporting entrepreneurs and company R&D projects through structured programmes. Funding is grant-based and aimed at knowledge-intensive ventures rather than general business growth.
Rannís — Icelandic Centre for Research
Technology Development Fund
Iceland main competitive grant fund for technology development and innovation, with separate tracks for very early projects and for scaling companies. Grants are awarded in application rounds and do not take equity.