What happens after you submit your loan application

Once you’ve submitted your loan application, we’ll review it and get back to you. The process can vary depending on your company’s situation and the size of your investment, but here’s what you can generally expect along the way.

Customer due diligence and initial review

To process your application, you will always need to complete a customer due diligence form. This is a legal requirement for all organisations working with financing and helps prevent money laundering and other financial crime.

When both your application and due diligence form have been submitted, we carry out an initial assessment. We also perform a credit check on you and, if the application concerns a company, on the company’s representatives as well.

To approve a loan, there needs to be a reasonable expectation that the company will be able to repay it. The loan must always align with both your needs and your company’s repayment capacity.

If we need more information, we’ll contact you with follow-up questions.

A conversation with an advisor

In many cases, one of our advisors will reach out to continue the dialogue. The conversation may focus on your company, your plans and what you need right now. The goal is to understand the full picture and identify the financing solution that suits you best.

Not every application results in a needs-based meeting, but when it does, it is an important part of our assessment.

Sustainability, finances and long-term profitability

As part of the loan process, we always include a dialogue about sustainability — how your business impacts sustainability issues, and how sustainability may affect your business over time.

Together, we look at industry-specific conditions, risks and opportunities, and how sustainability connects to long-term growth and competitiveness.

You also have the option of a more in-depth review of your company’s finances and profitability. This step is voluntary, but it can provide valuable insights into results, cash flow and priorities moving forward.

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Loan decision

Once we have the necessary information, we make a decision regarding your loan.

The processing time is usually around 3–4 weeks from the moment your application is complete, but it may vary depending on the complexity of the case.

Disbursement and follow-up

If your loan is approved, the funds will be paid out according to our agreement.

After disbursement, we stay in touch and continue to support you as your company grows and develops.

More than financing

Borrowing from Almi is about more than just funding.

The process includes guidance and perspectives on your company’s finances, sustainability and future priorities — helping you build a strong foundation for an investment that works both today and in the long run.