Financing needs review
We go through what you need the money for, how much and for how long. We also tell you which kind of financing usually suits that purpose: an investment loan, a working-capital line, leasing or factoring.
Business financing applications
Bank-ready financing applications for Latvian businesses
FAGA CAPITAL SIA helps companies put together complete, well-documented applications to licensed banks and leasing companies. We do not lend. The lender always makes the credit decision and sets the terms.
- Company
- FAGA CAPITAL SIA
- Registration No.
- 40203221901
- Commercial Register
- Since 24 July 2019
- Registered office
- Latgales iela 450U, Riga
01
Services
Preparation work that helps a lender understand your business and make a decision quickly.
Financial documentation
We organise your annual reports, management accounts, cash-flow forecast and debt schedule into the format lenders expect, and we flag gaps before a lender finds them.
Application preparation
We draft the application narrative and project description, and assemble the supporting documents into a complete, consistent package.
Lender questions
We help you answer follow-up questions from the bank or leasing company. Negotiation and the final decision stay between you and the lender.
What we do not do
- We do not lend money, take deposits or hold client funds.
- We do not offer consumer credit, and we do not work with private individuals' household borrowing.
- We do not provide investment services. "Capital" is part of our registered name only.
- We cannot promise approval, a rate or a timeline. Only the lender decides.
02
How an engagement works
Scope and fees are fixed in writing before any work begins.
- 1
Introductory call
You tell us about the business and the financing need. If the request is not one we can help with, we say so straight away.
- 2
Written engagement
We agree the scope of work and our fee in a written engagement letter. You pay nothing before you have it.
- 3
Document collection
You send the documents on the agreed list. We review them and point out anything a lender is likely to question.
- 4
Application package
We prepare the package for your approval. You choose the lenders and submit the application in your company's name.
- 5
Lender decision
The lender assesses the application under its own credit policy. Any agreement is signed between your company and the lender.
03
Document pack builder
Choose the type of financing and your situation to see the documents Latvian lenders typically ask for. Print the list or keep it for your own preparation.
Investment loan
0
documents on your list
This is a general preparation guide, not a lender's requirement list. Every bank and leasing company sets its own requirements and may ask for more. Your selections stay in your browser.
04
Before you engage anyone
You may not need paid help at all. Try these free routes first.
Your own bank
Your bank's business adviser can tell you, free of charge, which products fit and what they need from you.
ALTUM
The state development finance institution runs support programmes for businesses. Its terms and eligibility are published on its own website.
LIAA
The Investment and Development Agency of Latvia offers support and consultations for entrepreneurs.
Check that any lender you approach is authorised. Banks and leasing companies supervised by Latvijas Banka appear on its public register of financial market participants. For tax, legal or accounting questions, consult a qualified adviser. We do not give that advice.
05
Fraud notice
Scammers sometimes pose as financing advisers. FAGA CAPITAL SIA will never do any of the following.
✕Promise or "guarantee" loan approval for a fee.
✕Ask you to pay an "insurance", "activation" or "release" fee to receive a loan.
✕Ask for your online-banking login, PIN or Smart-ID / one-time codes.
✕Take money before you have a signed written engagement letter.
✕Ask you to pay into a personal account or in cryptocurrency.
✕Contact you from any phone number or email other than those on this page.
If someone contacts you in our name and does any of these things, do not pay. Report it to the State Police, report phishing to CERT.LV, and let us know at contact@fagacapitalsia.com.
06
Contact
Meetings by appointment.
- Company
- FAGA CAPITAL SIA
- Registered office
- Latgales iela 450U, Riga, LV-1063, Latvia
- Telephone
- +371 2007 1862
- contact@fagacapitalsia.com
- Registration No.
- 40203221901
Complaints
Send any complaint by email with a short description, and we will reply in writing. Problems with a loan itself should be raised with the lender, which is responsible for its own products.
Personal data
We process the personal data in your documents only to prepare your application, in line with the EU General Data Protection Regulation. We pass it to lenders only with your instruction.