INVEGA’s individual guarantee helps companies to obtain an investment or working capital loan for business development, when the company itself does not have sufficient collateral.
INVEGA guarantee is intended for SMEs and large companies.
What do I need to know about the INVEGA guarantee?
Guarantee can be up to 80% of the total loan amount and not greater than:
- For SMEs up to EUR 5 million
- For large companies up to EUR 1,5 million
- Where road haulage activities are carried out or intended to be carried out for hire or reward up to EUR 750,000
If several guarantees are received, the sum of the balances of the guarantees must not exceed EUR 10 000 000.
Partial interest reimbursement is available for loans backed by INVEGA guarantees.
INVEGA decides on the granting of a guarantee on a case-by-case basis. Once the Bank has taken a decision to grant financing, the Bank submits the request for an individual guarantee to INVEGA – you do not need to do anything.
You can find out more about the individual guarantee on INVEGA’s website: Individual guarantees for loans and Individual guarantees for large companies.
What is the European Investment Fund (EIF) and what does it offer?
The European Investment Fund (EIF) is the main implementing partner of the InvestEU Fund, providing support to small and medium-sized enterprises (SMEs) to increase the competitiveness of Lithuanian and European businesses, accelerate economic and social development of the EU, promote private sector investments in the European Green Deal, and help overcome the economic fallout of the pandemic.
We provide loans backed by the guarantees of the EIF under three areas of the InvestEU program: loans aimed at strengthening the competitiveness of small and medium-sized enterprises, sustainability loans, and loans to companies operating in the culture and creative sectors.
Basic conditions:
- Guarantee rate: up to 70% of the loan balance
- Financing of working capital and investments in fixed assets
- Maximum amount to be financed: up to EUR 7,500,000; minimum: EUR 50,000
- Loan term: up to 12 years for investment loans and up to 4 years for working capital loans or credit lines
Financing is available for investments that contribute to climate change mitigation. Focus areas include: renewable energy projects, investments in green and energy efficient buildings (construction of commercial buildings, renovation of commercial and residential buildings), investments in industrial energy efficiency measures, zero and low emission mobility, green information communication technologies (ICT).
Latest loan issuance date: 16 July 2027
These loans are intended to provide solvency and recapitalization support for SMEs negatively affected by the COVID-19 pandemic (strengthen company’s capital, refinancing of its existing financial obligations, settling with suppliers and/or other creditors, financing working capital) as well as to improve the company’s investment potential by financing further investments in ongoing projects.
Latest loan issuance date: 12 October 2025
These loans are intended to finance a wide range of initiatives related to the development of the cultural and creative sector, including inter alia various cultural projects, digitisation of the cultural and creative sectors (development of digital platforms, online content creation, and digital marketing strategies), investments in facilities and infrastructure that support cultural activities, such as theatres, galleries, studios, and community centres, etc.
We recommend reviewing the guide for small businesses operating in the cultural and creative industries across Europe, provided by the EIF. You can access the guide here.
Latest loan issuance date: 16 July 2027
Who can apply:
SMEs registered in Lithuania that meet the InvestEU eligibility criteria.
More information: www.eif.org/InvestEU/guarantee_products/index.htm
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