{"id":11914,"date":"2022-04-25T15:33:27","date_gmt":"2022-04-25T13:33:27","guid":{"rendered":"https:\/\/www.altum.lv\/services\/businesses\/credit-guarantees\/"},"modified":"2026-01-16T09:27:22","modified_gmt":"2026-01-16T07:27:22","slug":"credit-guarantees","status":"publish","type":"page","link":"https:\/\/www.altum.lv\/en\/services\/enterprises\/credit-guarantees\/","title":{"rendered":"Credit guarantees"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11914\" class=\"elementor elementor-11914 elementor-2017\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-487a11a elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"487a11a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-47094f8\" data-id=\"47094f8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-134b1a7 elementor-widget elementor-widget-altum-tab-header-links\" data-id=\"134b1a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-tab-header-links.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <section class=\"topBanner topBanner-topicFamily topBanner-pb-0\"  style=\"background-image: url(https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/Kredita-garantijas.png)\">\n                <div class=\"container\">\n\t\t\t\t<div class=\"topBanner__breadcrumbs\"><a href=\"https:\/\/www.altum.lv\" class=\"topBannerBreadcrumb__link\">Altum<\/a><span class=\"topBannerBreadcrumb__indent\">-<\/span><\/div>\n\n                    <div class=\"topBanner__content\">\n                        <div class=\"topBanner__left\">\n                            <h1 class=\"topBanner__title\">\n                                Credit guarantees\n                            <\/h1>\n                           \n                        <\/div>\n                        <div class=\"topBanner__right\">\n                            <div class=\"topBanner__menuWrap\">\n                               \n                <a href=\"https:\/\/europa.eu\/youreurope\/index_lv.htm\" target=\"_blank\" class=\"topBanner__menu-link\">Your Europe<\/a>\n            \n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"mobileScroll\">\n                        <div class=\"famWithChildTop__btnWrap famWithChildTop__topBanner\">\n                            \n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/section>\n\t\t\n            <section>\n                <div class=\"container\">\n                    <div class=\"famWithChild__bottom\">\n                        <div class=\"container\">\n                            <div class=\"altum__headerTab-content\"><\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section headerTab elementor-element elementor-element-db00df3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db00df3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d68a9aa\" data-id=\"d68a9aa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3417526 elementor-widget elementor-widget-altum-tab-block-bank-block\" data-id=\"3417526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-tab-block-bank-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"banks\">\n            <h2 class=\"famWithChildBottom__h2\">\n                About the guarantee\n            <\/h2>\n        <div class=\"banks__row\">\n                    <div class=\"banks__elem \">\n                        <a href=\"javascript:void(0); \" class=\"banks__link no__hover\" target=\"\">\n                            \n\t\t\t\t\t<div class=\"famWithChildBottomContentRow__elem-imgWrap\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-517.svg\" alt=\"bank icon\" class=\"altum__noLazy\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\n                            <span class=\"banksLink__title\">Up to 80% of the principal amount of financing<\/span>\n                            \n                        <\/a>\n                    <\/div>\n                \n                    <div class=\"banks__elem \">\n                        <a href=\"javascript:void(0); \" class=\"banks__link no__hover\" target=\"\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"famWithChildBottomContentRow__elem-imgWrap\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-494.svg\" alt=\"bank icon\" class=\"altum__noLazy\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\n                            <span class=\"banksLink__title\">Up to EUR 25 million<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n                    <\/div>\n                <\/div><div class=\"banks__row\">\n                    <div class=\"banks__elem \">\n                        <a href=\"javascript:void(0); \" class=\"banks__link no__hover\" target=\"\">\n                            \n\t\t\t\t\t<div class=\"famWithChildBottomContentRow__elem-imgWrap\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-495.svg\" alt=\"bank icon\" class=\"altum__noLazy\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\n                            <span class=\"banksLink__title\">Up to 10 years<\/span>\n                            \n                        <\/a>\n                    <\/div>\n                \n                    <div class=\"banks__elem \">\n                        <a href=\"javascript:void(0); \" class=\"banks__link no__hover\" target=\"\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"famWithChildBottomContentRow__elem-imgWrap\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-490.svg\" alt=\"bank icon\" class=\"altum__noLazy\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\n                            <span class=\"banksLink__title\">Annual interest of 0 %<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n                    <\/div>\n                <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-9684f2a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9684f2a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f339f3b\" data-id=\"f339f3b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d81403a elementor-widget elementor-widget-text-editor\" data-id=\"d81403a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To promote the implementation of green and sustainable projects and energy efficiency, the ALTUM merchant guarantee premium for sustainable investment projects has been reduced to 0%.<\/p>\n<p><span class=\"sentence sentence-51-0 hover\"><span class=\"phrase phrase-51-0-1-2-3-4-5-6-7-8-9-10-11-12-13-14-15-16-17-18-19-20-0-1-2-3-4-5-6-7-8-9-10-11-12-13-14-15-16-17-18-19-20-21-22-23-24-25-26-27-28 hover\"><span class=\"word word-51-0-0 sibling-51-0-1 sibling-51-0-2 hover\">In<\/span>\u00a0<span class=\"word word-51-0-1 sibling-51-0-0 sibling-51-0-2 highlight-sibling\">order<\/span>\u00a0<span class=\"word word-51-0-2 sibling-51-0-0 sibling-51-0-1 highlight-sibling\">to<\/span>\u00a0<span class=\"word word-51-1-3\">increase<\/span>\u00a0<span class=\"word word-51-2-4\">access<\/span>\u00a0<span class=\"word word-51-3-5\">to<\/span>\u00a0<span class=\"word word-51-4-6 sibling-51-4-7 sibling-51-4-8\">financing<\/span>\u00a0<span class=\"word word-51-4-7 sibling-51-4-6 sibling-51-4-8\">for<\/span>\u00a0<span class=\"word word-51-4-8 sibling-51-4-6 sibling-51-4-7\">merchants<\/span><span class=\"word word-51-5-9\">,<\/span> \u00a0for guarantees submitted until 30.06.2026. \u00a0the premium rate\u00a0\u00a0is 0% per year.\u00a0 <\/span><\/span><span class=\"sentence sentence-51-1\"><span class=\"phrase phrase-51-21-22-23-24-25-26-27-28-29-30-31-32-33-34-29-30-31-32-33-34-35-36-37-38-39-40-41-42-43-44-45-46-47-48\"><span class=\"word word-51-21-29 sibling-51-21-30\">For<\/span>\u00a0<span class=\"word word-51-21-30 sibling-51-21-29\">guarantees<\/span>\u00a0<span class=\"word word-51-22-31\">of<\/span>\u00a0<span class=\"word word-51-26-32\">EUR<\/span>\u00a0<span class=\"word word-51-23-33\">5<\/span>\u00a0<span class=\"word word-51-24-34\">000<\/span>\u00a0<span class=\"word word-51-25-35 sibling-51-25-36\">000<\/span><span class=\"word word-51-25-36 sibling-51-25-35\">,<\/span>\u00a0<span class=\"word word-51-27-37 sibling-51-27-38\">the<\/span>\u00a0<span class=\"word word-51-27-38 sibling-51-27-37\">premium<\/span>\u00a0<span class=\"word word-51-28-39\">rate<\/span>\u00a0<span class=\"word word-51-29-40 sibling-51-29-41\">shall<\/span>\u00a0<span class=\"word word-51-29-41 sibling-51-29-40\">be<\/span>\u00a0<span class=\"word word-51-30-42\">applied<\/span>\u00a0<span class=\"word word-51-31-43\">according<\/span>\u00a0<span class=\"word word-51-32-44\">to<\/span>\u00a0<span class=\"word word-51-33-45 sibling-51-33-46 sibling-51-33-47\">the<\/span>\u00a0<span class=\"word word-51-33-46 sibling-51-33-45 sibling-51-33-47\">price<\/span>\u00a0<span class=\"word word-51-33-47 sibling-51-33-45 sibling-51-33-46\">list<\/span><span class=\"word word-51-34-48\">.<\/span><\/span><\/span><\/p>\n<p>\u00a0<\/p>\n<ul>\n<li>Altum&#8217;s credit guarantee serves as an additional security for the company&#8217;s liabilities to the bank. The credit guarantee is issued to companies that have insufficient collateral to obtain a loan or to obtain a loan of the required amount, but have a transparent financial history and a positive creditworthiness.<\/li>\n<li>ALTUM guarantee is not a guarantee within the meaning of the Civil Code of the Republic of Latvia, but state support in the form of a financial instrument (guarantee) for the receipt of a financial service in case of insufficient collateralthe obligation of ALTUM assumed by the ALTUM Guarantee to be liable to the Financier for the unpaid principal amount of the Financial Service Agreement does not exempt the Merchant (including the Guarantors) from the obligation to repay the full amount of the Financial Service Agreement and incidental payments received in full<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><br \/><br \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-bc1f8e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc1f8e9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-557f6ee\" data-id=\"557f6ee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49c0a2f elementor-widget elementor-widget-image\" data-id=\"49c0a2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"128\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/LIDZFINANSE-ESNAP-1-300x128.png\" class=\"attachment-medium size-medium wp-image-38765\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/LIDZFINANSE-ESNAP-1-300x128.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/LIDZFINANSE-ESNAP-1-1024x436.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/LIDZFINANSE-ESNAP-1-768x327.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/LIDZFINANSE-ESNAP-1.png 1443w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-aefc898\" data-id=\"aefc898\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-950d89e elementor-widget elementor-widget-image\" data-id=\"950d89e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/europa.eu\/youreurope\/index_en.htm\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"207\" height=\"64\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/10\/youreurope-logo.png\" class=\"attachment-large size-large wp-image-23667\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Lorem Ipsum \u2013 tas ir teksta salikums, kuru izmanto poligr\u0101fij\u0101<br \/>\nun maket\u0113\u0161anas darbos. Lorem Ipsum ir k\u013cuvis par<br \/>\nvisp\u0101rpie\u0146emtu teksta aizvietot\u0101ju kop\u0161 16. gadsimta s\u0101kuma.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":10873,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-11914","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit guarantees - Altum<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/credit-guarantees\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit guarantees - Altum\" \/>\n<meta property=\"og:description\" content=\"Lorem Ipsum \u2013 tas ir teksta salikums, kuru izmanto poligr\u0101fij\u0101 un maket\u0113\u0161anas darbos. 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