At this moment we only grant loans secured by collateral. The collateral can be real estate or movable property, a surety and a guarantee from ILTE or EIF.

In case of ILTE or EIF guarantee, the loan part not guaranteed must be secured by a mortgage or by a collateral pledge of immovable property or other assets acceptable to the bank.

ILTE individual guarantee helps companies to obtain an investment or working capital loan for business development when the company itself does not have sufficient collateral.

ILTE guarantee is intended for SMEs and large companies.
Guarantee can be up to 80% of the total loan amount and not greater than:

• For SMEs up to EUR 5 million
• For large companies up to EUR 1,5 million
• Where road haulage activities are carried out or intended to be carried out for hire or compensation up to EUR 750,000

If several guarantees are received, the amount of the balances shall not exceed EUR 10,000,000.
Partial interest reimbursement is available for loans covered by the ILTE guarantee.

ILTE decides on the granting of the guarantee individually in each case. Upon receipt of the Bank’s approval for the provision of financing, Bank shall apply for an individual guarantee to ILTE – you do not have to do anything.

The European Investment Fund (EIF) is the main implementing partner of the InvestEU Fund, providing support to small and medium-sized enterprises (SMEs) to increase the competitiveness of Lithuanian and European businesses, accelerate economic and social development of the EU, promote private sector investments in the European Green Deal, and help overcome the economic fallout of the pandemic.

We provide loans backed by the guarantees of the EIF under three areas of the InvestEU program: loans aimed at strengthening the competitiveness of small and medium-sized enterprises, sustainability loans, and loans to companies operating in the culture and creative sectors.

Basic conditions:

• Guarantee rate: up to 70% of the loan balance
• Financing of working capital and investments in fixed assets
• Maximum amount to be financed: up to EUR 7,500,000; minimum: EUR 50,000
• Loan term: up to 12 years for investment loans and up to 4 years for working capital loans or credit lines

More information: Guarantees | Accounts, payments, financing | Mano Bank

Latest loan issuance date: 16 July 2027