An overdraft allows companies to stabilise their cash flow when they experience delays in collections, and need to cover unforeseen expenses or obtain current assets.

An overdraft is a convenient tool that ensures stable cash flows when your company is facing unexpected expenses or delays in collections, or needs to obtain current assets.

Applying for a loan


Submit an application

Submit your application online or fill in the application and forward with required documents to the e-mail firma@luminor.ee.


We will get in touch

We will specify requests, terms and conditions.


Financing decision

We will notify you of the agreement terms and conditions.


Conclusion of agreement

If the loan terms and conditions are suitable, we will conclude loan and collateral agreements.

Necessary documents

  • Loan application
  • Audited (if the company is subject to auditing) financial reports from the previous financial years, as well as balance sheet and income statements for the current financial year, not older than three months.
  • Collateral valuation report by accepted real estate appraiser.
  • You may be required to provide additional documents.

Useful links

Financing general terms and conditions
Loan application online
Loan application
Kredex business loan guarantee conditions
MES business loan guarantee conditions
Real estate evaluators
General requirements on business loans assets insurance

You can apply online!

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