{"id":29295,"date":"2023-02-15T13:45:03","date_gmt":"2023-02-15T11:45:03","guid":{"rendered":"https:\/\/www.altum.lv\/services\/enterprises\/digital-transformation\/"},"modified":"2024-04-10T15:44:23","modified_gmt":"2024-04-10T13:44:23","slug":"digital-transformation","status":"publish","type":"page","link":"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/","title":{"rendered":"Digital transformation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"29295\" class=\"elementor elementor-29295 elementor-22338\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-4583ff20 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4583ff20\" 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-64ab1a8c\" data-id=\"64ab1a8c\" 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-f337674 elementor-widget elementor-widget-altum-tab-header2\" data-id=\"f337674\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-tab-header2.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\/2022\/09\/d-koi-GU_nNLVna_4-unsplash.jpg)\">\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                    <h1 class=\"topBanner__title topBanner__title-md\">\n                        Loans for digital transformation\n                    <\/h1>\n                    <p class=\"topBanner__text\">\n                    <p>Loans promoting the digital transformation of businesses and parallel loans<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n                    <\/p>\n                    <div class=\"mobileScroll\">\n                        <div class=\"famWithChildTop__btnWrap famWithChildTop__topBanner\">\n                            <a href=\"javascript:;\" data-id=\"1\" class=\"famWithChildTop__btn testtest famWithChildTop__btn-active\">About the programme<\/a><a href=\"javascript:;\" data-id=\"2\" class=\"famWithChildTop__btn\">Capital discount<\/a><a href=\"javascript:;\" data-id=\"3\" class=\"famWithChildTop__btn\">How to apply<\/a>\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 altum__headerTab-content\">\n\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-a2f9a6b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2f9a6b\" 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-51b75b7\" data-id=\"51b75b7\" 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-cad3842 elementor-widget elementor-widget-text-editor\" data-id=\"cad3842\" 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<h2>Acceptance of new loan applications is currently suspended! The evaluation of applications received so far continues.<\/h2>\n<p>\u00a0<\/p>\n<p>In addition, we would like to inform you that the Ministry of Economics is developing amendments to the Cabinet of Ministers&#8217; regulations so that state support for enterprise digitization projects within the framework of this program will continue to be available in the future. We invite you to follow the news about the program on the ALTUM website. The information will be published after the approval of the amendments in the Cabinet of Ministers.<\/p>\n<p>\u00a0<\/p>\n<p>The programme is being implemented as part of the European Union\u2019s Recovery and Resilience Facility (RRF) of #NextGenerationEU. It is an opportunity for enterprises to boost their productivity by investing in digitalisation.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Available support:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-382761e elementor-widget elementor-widget-altum-icon-text\" data-id=\"382761e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-482.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Loan EUR 100 000 \u2013 7 000 000<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfa0531 elementor-widget elementor-widget-altum-icon-text\" data-id=\"bfa0531\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-461.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>A capital discount of 35 percent of the cost of the investment project is applicable (excl.VAT)<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2884ba elementor-widget elementor-widget-altum-icon-text\" data-id=\"b2884ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-519.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Maximum capital discount \u2013 EUR 1 000 000<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36f1df3 elementor-widget elementor-widget-altum-icon-text\" data-id=\"36f1df3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-472.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>The capital discount is applied after the completion of the project, extinguishing a part of the principal sum of the Altum loan in the amount of the capital discount<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b22a2d0 elementor-widget elementor-widget-text-editor\" data-id=\"b22a2d0\" 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>&nbsp;<\/p>\r\n<p>The loan is available for <strong>the implementation of digital transformation projects in Latvia to:<\/strong><\/p>\r\n<ul>\r\n\t<li>General economic sector companies (the loans are not available to companies operating in the agricultural and fisheries sector)<\/li>\r\n\t<li>Micro, small, medium and large-sized enterprises registered in the Commercial Register\u00a0<\/li>\r\n<\/ul>\r\n<h3>\u00a0<\/h3>\r\n<h3>Supportable digitalisation activities:<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbbe756 elementor-widget elementor-widget-altum-icon-text\" data-id=\"fbbe756\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><strong>Digitalisation of conventional processes <\/strong><\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6520a9f elementor-widget elementor-widget-altum-icon-text\" data-id=\"6520a9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><strong>Purchase and implementation of Industry 4.0 solutions<\/strong> \u2013 automated equipment, robotic solutions, sensor networks and communication technologies, AI solution technologies and other solutions consistent with the purpose of the investment, using information and communication technologies and envisaging both necessary equipment and the software component<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c89b1d5 elementor-widget elementor-widget-altum-icon-text\" data-id=\"c89b1d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><strong>Purchase of systems and equipment with 5G support<\/strong><\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52af21f elementor-widget elementor-widget-altum-icon-text\" data-id=\"52af21f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><strong>Data storage solutions<\/strong><\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3bc1ff elementor-widget elementor-widget-altum-icon-text\" data-id=\"e3bc1ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><strong>Upgrading and optimization of existing production and other equipment necessary for the digitalisation of processes and purchase of new equipment<\/strong><\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cccbc76 elementor-widget elementor-widget-altum-icon-text\" data-id=\"cccbc76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><strong>Purchase of new equipment in the field of information and communication technologies related to the use of information and communication products in the production process<\/strong><\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fd1870 elementor-widget elementor-widget-altum-icon-text\" data-id=\"7fd1870\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><strong>Platform economy<\/strong> \u2013 development or provision of solutions or system operations functioning on a single platform<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7c528c elementor-widget elementor-widget-text-editor\" data-id=\"f7c528c\" 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><strong>Loans are not available for:<\/strong><\/p>\r\n<ul>\r\n\t<li>Projects implemented in industries not supported by the programme<\/li>\r\n\t<li>Investments in energy production equipment (including for own consumption)<\/li>\r\n\t<li>Purchase of standard computer hardware<\/li>\r\n\t<li>Support and adaptation of existing software<\/li>\r\n\t<li>Purchase of real estate<\/li>\r\n\t<li>Construction costs exceeding 10 percent of the project\u2019s total costs<\/li>\r\n\t<li>Payment of VAT<\/li>\r\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-469501f elementor-widget elementor-widget-text-editor\" data-id=\"469501f\" 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><span style=\"font-size: 14px;\">The conditions of the digitalisation programme are regulated by the <a href=\"https:\/\/likumi.lv\/ta\/id\/333889-eiropas-savienibas-atveselosanas-un-noturibas-mehanisma-plana-2-2-reformu-un-investiciju-virziena-uznemumu-digitala-transformacija\" target=\"_blank\" rel=\"noopener\">Cabinet of Ministers Regulations No.421 of 05.07.2022.<\/a><\/span><\/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 headerTab elementor-element elementor-element-28280ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"28280ee\" 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-aa259c3\" data-id=\"aa259c3\" 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-66f0017 elementor-widget elementor-widget-text-editor\" data-id=\"66f0017\" 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<h3>Capital discount<\/h3>\r\n<p>The Altum loan is fully or partially extinguished after the project\u2019s completion and receipt of the European Digital Innovation Centre\u2019s opinion on the fulfilment of the conditions. The amount of the capital discount in which the Altum loan will be extinguished is determined before the conclusion of the contract, taking into consideration the limits of the amount of the capital loan and permissible support intensities.<\/p>\r\n<p>&nbsp;<\/p>\r\n<h3>Two types of loans are available within the programme:<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89d2448 elementor-widget elementor-widget-altum-icon-text\" data-id=\"89d2448\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Altum <strong>parallel loan \u2013 <\/strong>is provided together with another funder<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1257a0 elementor-widget elementor-widget-altum-icon-text\" data-id=\"d1257a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Altum <strong>direct loan \u2013 <\/strong>Altum is the only lender<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c19d3c9 elementor-widget elementor-widget-text-editor\" data-id=\"c19d3c9\" 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>Altum loan <strong>repayment term \u2013 up to 10 years<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1580eb7 elementor-widget elementor-widget-text-editor\" data-id=\"1580eb7\" 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>The Altum loan is extended <strong>for covering eligible costs<\/strong>, i.e., investments in tangible and intangible assets.\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>! Important<\/strong> \u2013 the Altum direct loan is available if:\u00a0<\/p>\n<ul>\n<li>the loan is necessary only in the amount of the capital discount<\/li>\n<li>or a funding request has been submitted to a credit institution and the credit institution has refused to finance the project<\/li>\n<\/ul>\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 headerTab elementor-element elementor-element-e315ebd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e315ebd\" 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-322cbc5\" data-id=\"322cbc5\" 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-264b1e4 elementor-widget elementor-widget-text-editor\" data-id=\"264b1e4\" 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>In order to qualify for support, the applicant must <strong>take a digital maturity test<\/strong> in cooperation with one of the European Digital Innovation Hubs<strong> (EDIH)<\/strong> and, as part of the test, <strong>receive a digital development roadmap<\/strong>, which must be submitted to Altum together with the loan application.<\/p>\n<p>\u00a0<\/p>\n<p>For the digital maturity test and roadmap apply at an EDIH:<\/p>\n<p>\u00a0<\/p>\n<p><a href=\"https:\/\/dih.lv\/lv\">Latvian Digital Innovation Hub<\/a>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<a href=\"https:\/\/www.digitallatvia.lv\/home\/\" target=\"_blank\" rel=\"noopener\">Digital Accelerator of Latvia<\/a><\/p>\n<p>\u00a0<\/p>\n<p>After receiving the roadmap, the applicant can apply for the loan at their bank or Altum.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Note<\/strong>: If the required loan is larger than the possible capital discount, you must first contact another financer, such as a credit institution, to agree on the financing structure or to obtain the other funder\u2019s consent to Altum being the sole financer of the project.<\/p>\n<p>\u00a0<\/p>\n<h3><strong>Preparation of the application and conclusion of the agreement:<\/strong><\/h3>\n<ul>\n<li>Take the initial digital maturity test with an EDIH and prepare the digital development roadmap on the necessary investments and planned results of the project<\/li>\n<li>Prepare the project\u2019 s cost estimate, identifying suppliers and listing the investments to be made in the project. Determine the amount of external financing required for the project<\/li>\n<li>Find out about the bank\u2019s readiness to co-finance the project and, if necessary, fill out a loan application<\/li>\n<li>Depending on the amount of financing offered by the bank, submit a parallel loan application or apply for a direct ALTUM loan at <a href=\"https:\/\/mans.altum.lv\/applicant\/application_requests\/new?request_template=10861\" target=\"_blank\" rel=\"noopener\">mans.altum.lv<\/a> if the bank will not be co-financing the project<\/li>\n<li>ALTUM decides on granting the loan, determining the amount of the capital discount<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3><strong>Implementation of the project and application of the capital discount:<\/strong><\/h3>\n<ul>\n<li>Receive the loan granted to you and implement the project to achieve the planned results<\/li>\n<li>Upon the project\u2019s completion, take a second digital maturity test with EDIH and receive an opinion on the fulfilment of the investments and objectives set out in the roadmap<\/li>\n<li>Within 6 months of the project\u2019s completion submit the opinion you have received from the EDIH to Altum<\/li>\n<li>If the EDIH opinion is positive, Altum can apply the capital discount by fully or partly extinguishing the principal amount of the Altum loan<\/li>\n<li>If a negative opinion has been received or it has not been submitted, Altum does not apply the capital discount and the applicant starts repaying the principal amount according to the initial loan schedule<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>\u00a0<\/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-fa5cdf0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa5cdf0\" 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-7f7b990\" data-id=\"7f7b990\" 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-2f9d68a elementor-widget elementor-widget-image\" data-id=\"2f9d68a\" 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=\"139\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/FINANSE-ESNEXTNAP-300x139.png\" class=\"attachment-medium size-medium wp-image-38776\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/FINANSE-ESNEXTNAP-300x139.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/FINANSE-ESNEXTNAP-1024x476.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/FINANSE-ESNEXTNAP-768x357.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/FINANSE-ESNEXTNAP.png 1460w\" 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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Altum&#8211; Loans for digital transformation Loans promoting the digital transformation of businesses and parallel loans \u00a0 \u00a0 About the programmeCapital discountHow to apply Acceptance of new loan applications is currently [&hellip;]<\/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-29295","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>Digital transformation - 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\/digital-transformation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Digital transformation - Altum\" \/>\n<meta property=\"og:description\" content=\"Altum&#8211; Loans for digital transformation Loans promoting the digital transformation of businesses and parallel loans \u00a0 \u00a0 About the programmeCapital discountHow to apply Acceptance of new loan applications is currently [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/\" \/>\n<meta property=\"og:site_name\" content=\"Altum\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AltumLV\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-10T13:44:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-482.svg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@altumlv\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/\",\"url\":\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/\",\"name\":\"Digital transformation - Altum\",\"isPartOf\":{\"@id\":\"https:\/\/www.altum.lv\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-482.svg\",\"datePublished\":\"2023-02-15T11:45:03+00:00\",\"dateModified\":\"2024-04-10T13:44:23+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/#primaryimage\",\"url\":\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-482.svg\",\"contentUrl\":\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-482.svg\",\"width\":100,\"height\":100},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"S\u0101kums\",\"item\":\"https:\/\/www.altum.lv\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Services\",\"item\":\"https:\/\/www.altum.lv\/en\/services\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Enterprises\",\"item\":\"https:\/\/www.altum.lv\/en\/pakalpojumi\/biznesam\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Digital transformation\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.altum.lv\/en\/#website\",\"url\":\"https:\/\/www.altum.lv\/en\/\",\"name\":\"Altum\",\"description\":\"Finan\u0161u instit\u016bcija ALTUM\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.altum.lv\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Digital transformation - Altum","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/","og_locale":"en_US","og_type":"article","og_title":"Digital transformation - Altum","og_description":"Altum&#8211; 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