Financial products and Services to SMEs
Investment and working capital loans
Investment and working capital loans are Kera’s main financing
instruments. They are granted to existing and new businesses,
for investment and as working capital.
In our investment and working capital loans, we usualy provide
20-40% of the financing. The loan period depends on the size and
nature of the project. The business’s risk class and the company-specific
collateral have a bearing on the loan interest rate.
Capital loan
In special cases related to investment and capital finance, Kera
can grant a capital loan a mezzanine financing. The terms of the
loan are agreed on separately in each case.
Environmental loan
An environmental loan is a special product to finance environmental
protection and energy conservation projects. The interest rate
is lower than on normal loans.
Development loan
Development loans can be granted to develop and commercialze a
product or service and to develop an enterprise’s basic operatons.
These loans are granted solely to SMEs
Kera’s share of financing for development loans is 50%-70% of
the costs. The interest rate is lower than on normal loans.
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© Kera Corporation
- Medium and long-term loans and guarantees for SMEs
- Includes industrial, trade and service businesses
- Finance for business set-up, growth and development purposes
- Certain loans can have subsidized interest rates (e.g. business
set-up and development loans) - Can accept weaker collateral than the banks normally do (i.e.
with higher credit risk)