Business loan
For businesses, we are flexible and fast – within just one business day you will receive a financing decision. Only a few documents are required for us to proceed. Simply fill out the online application, and together we will discuss your financing options and the solutions best suited to your needs. Based on your requirements, we will offer a flexible loan repayment schedule.
Business loan calculator
SAVY – an investment and financing platform, and a pioneer of the peer-to-peer lending culture in Lithuania. We operate responsibly, are supervised by the Bank of Lithuania, and our sustainability is confirmed by multiple awards as one of the fastest-growing companies, the ‘Gazelle’ awards.
Choose a SAVY business loan
Flexible business loans up to €200,000
Loans up to €50,000 without collateral
Financing offer provided within 24 hours
Monthly interest rate starting from 0.5%
Option to repay the loan at the end of the term
What we offer to business clients
Business loan
We offer companies the opportunity to secure financing up to €200,000 – quickly, transparently, and tailored to your business needs.
"Avietė" Crowdfunded Loans
The ILTE “Avietė” financing program provides small and medium-sized businesses with an additional opportunity to borrow funds more quickly.
Real estate development project financing
Finance real estate projects for purchasing and developing buildings or land plots, or for leveraging existing properties for development, by tapping into the potential of the SAVY investor community.
Business loan for working capital and expansion
Flexible financial support for your business – from daily working capital to expansion projects. With a SAVY loan, you can respond quickly to business opportunities.
- Up to €50,000 – no collateral required, only a personal guarantee. A fast decision ensures you stay aligned with your business needs.
- Up to €200,000 – secured with existing assets, equipment, real estate, inventory, or receivables. Flexible terms allow you to tailor the loan to your specific project.
Our advantage – quick decision-making, transparent terms, and a professional team ready to assist at every stage.
Fill out the application, and together we will find the best solution for your business – borrowing has never been this simple.
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Business loan questions & answers
What is crowdfunding?
Crowdfunding is an alternative lending model where funds for individuals or businesses are collected from many private investors through a platform. SAVY acts as an intermediary between borrowers and investors, ensuring a transparent and efficient financing process.
The SAVY platform operates in accordance with the European Union Regulation (EU) 2020/1503, and its activities in Lithuania are supervised by the Bank of Lithuania. This ensures a high level of transparency, security, and consumer protection.
How long does it take to get a business loan decision?
We evaluate a business loan application and inform clients about the lending decision within 1 business day after all documents are submitted.
Is it possible to get a business loan without collateral?
Yes, SAVY offers the possibility to get a business loan for a company without collateral, depending on the loan amount. We lend up to €50,000 without collateral. For loans exceeding €50,000, collateral will be required, such as real estate, equipment, inventory, or other assets.
What are the business financing terms?
The cost of a business loan depends on the company’s operating history, financial situation, credit history, loan amount and term, collateral, and other factors.
You can find more detailed information on the service fees page.
Is a loan available for starting a business?
SAVY does not provide loans to newly established businesses, businesses that have not yet started, or those operating for less than one year. Business loans are only available to companies that have been in operation for one year or longer.
How can you repay the business loan?
There are several ways to make your business loan repayments:
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By bank transfer.
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By initiating a payment via the link included in the invoice sent by email. An invoice with the payable amount is sent at the beginning of each month.
Bank account details for making payments:
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Recipient name: UAB Bendras finansavimas
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Recipient code: 303259527
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Recipient account: LT153500010002003880
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Payment reference: borrower’s company registration number (mandatory)
Paying from a Paysera account:
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Recipient name: UAB Bendras finansavimas
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Recipient account: EVP4410002003880
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Payment reference: borrower’s company registration number (mandatory)
Important: These details cannot be used for identification purposes.
To repay your loan early, please contact us by phone at +370 (5) 272 0151 or by email at labas@savy.lt.
Can you repay the loan early?
Yes, you can repay your loan early. To do so, contact us by email at labas@savy.lt or by phone at +370 (5) 272 0151. To calculate the exact amount for early repayment, you will need to submit a request in the SAVY self-service portal, indicating your planned early repayment date.
What should you do if you cannot make a loan payment on time?
The most important thing is to communicate before your payment is late. If you cannot make your loan payment on time, contact us by phone at +370 (5) 272 0151 or by email at labas@savy.lt so we can find a solution together.