Vanliga frågor och svar om lån från Almi

A needs assessment meeting is often your first step in the contact with Almi and helps us understand your entire business situation, not just a potential loan requirement.

We start with a meeting where you and an adviser together look at where your company is today, where you want to go, and what opportunities or challenges lie ahead.

During the meeting, you go through the company’s current situation, goals and development plans. The adviser asks questions to get a full picture and identify which type of support is most suitable.

The meeting also provides space to discuss industry-specific risks and business opportunities, as well as how your company’s sustainability work affects the business over time. The aim is to identify opportunities that can strengthen profitability, competitiveness and long-term development.

When applying for a loan, the needs assessment meeting is part of the process. This allows us to take responsibility for our lending and ensure that any financing matches both your needs and the company’s ability to repay.

The meeting is free of charge, takes about one hour and can be held digitally or in person.

The documentation required depends on whether your company has completed annual accounts or not.

If you have annual accounts, you should attach:

• a budget
• the most recent annual accounts
• current interim financial statements
• if the annual accounts are older than four months: profit and loss statement and balance sheet for the current year
  preferably comparative figures from the same period in the previous year

If you don’t yet have annual accounts, you should attach:

• a budget
• interim figures, if available
• preferably comparative figures

The more complete your application is, the faster we can process it.