The interest rate for Micro Loan is set individually, based on the level of risk in your company and the portion of the investment financed by Almi.

In many cases, Almi’s participation is a prerequisite for a bank or another financier to take part in the deal. By complementing the financing and taking on higher risk, Almi helps enable investments that might otherwise not be possible. This is also why Almi’s interest rates are normally around 2–3 percentage points higher than those of banks.

For Micro Loan, a limited personal guarantee of 10 percent of the loan amount is required. Your advisor will review the collateral requirement with you and ensure that it matches both the risk and your company’s situation.