Insights and tips: what size financing can I get?

One of the most common questions entrepreneurs ask – what size financing can I expect to obtain through FinoMark? Although every situation is individual, there are several key factors that determine the loan amount.

Your company’s financial indicators
The loan amount primarily depends on the company’s turnover, profitability, and level of obligations. A general rule of thumb is that financing should not exceed 20–40% of annual turnover.
Tip: before applying, it’s worth assessing how realistically a loan can help your business grow without overburdening it with financial commitments.

What is the purpose of the financing?
If you have a clear and justified financing purpose (e.g., supplementing working capital, acquiring necessary equipment, financing new projects), you may be eligible for a larger amount.
Tip: a detailed business plan and a budget for a new or developing project increase confidence and make it easier to assess risk.

What collateral can you provide?
The more valuable and marketable the collateral, the larger the financing can be. On the FinoMark platform, these models are most commonly used:
– Real estate pledge: allows financing up to 70–80% of the pledged property’s value (LTV). It is one of the most reliable measures due to clear market value and legal protection.
– Asset package pledge: enables pledging business-related assets (equipment, inventory, vehicles, etc.). In this case, a 50% LTV is applied, depending on the asset mix and valuation.
– Guarantee: particularly relevant for smaller loans. Loans up to EUR 25,000 on the FinoMark platform are issued only with a guarantee – typically provided by the company owner or a related person.
Tip: it’s worth including both company and director or related-person guarantees if you aim for a larger sum or more flexible financing terms.

Your business history and reputation
FinoMark evaluates whether the company operates stably, has no overdue obligations, and is transparent. Young companies often receive smaller amounts or need to provide additional collateral.
Tip: transparent accounting and good relationships with partners are especially important to investors when considering an investment in your company.

How to get started?
On the FinoMark platform, financing amounts range from EUR 3,000 to 500,000, but the exact amount depends on the factors listed above. Each financing request is assessed individually, so it’s important to be prepared to justify why your business deserves financing of a particular size.
If you want to find out what size financing you can obtain on the FinoMark platform or assess collateral options – the FinoMark team is ready to help. Submit a loan application and we will contact you: www.finomark.lt