Structured financing solutions for the real economy
We are a boutique B2B lending initiative specializing in fast, structured financing solutions for well-established small and medium-sized enterprises (SMEs).
- 01Focus
- Well-established SMEs
- 02Sector
- Real economy
- 03Decisions
- Case-by-case approach
Financing built around how your business operates
- 01
Working capital financing
Funding to support day-to-day operations — inventory, receivables and supplier payments — so the business keeps running at full capacity.
- Inventory and raw materials
- Receivables gaps
- Supplier prepayments
- 02
Short-term liquidity solutions
Bridge financing for timing mismatches and time-sensitive opportunities, structured around the company's actual cash cycle.
- Seasonal cash needs
- Bridge to incoming payments
- Time-critical deals
- 03
Development & expansion funding
Capital for growth projects of operating businesses — new capacity, equipment, locations or markets.
- Capacity expansion
- Equipment and upgrades
- Asset Acquisitions
Unlike traditional banks and other institutional lenders
We combine expertise and deep market understanding with flexibility, openness to our clients’ needs, and a willingness to develop personalised solutions.
Standardized products with fixed terms
Flexible structures designed for each case
Long, multi-layered approval chains
Fast, case-by-case decision-making
Formal scoring and generic criteria
Local market knowledge and in-depth expertise
Box-ticking that misses the business behind the numbers
Prudent risk assessment of the real business
One cross-functional team behind every transaction
Strong synergy between client service, financial analysis, risk management and legal and regulatory compliance.
Mini-puzzle: aim the ring at A–D in the order a deal moves through our team. On touch screens, drag across the diagram.
Client service
One point of contact who understands your business from the first conversation to funding.
Risk management
Prudent assessment that balances speed with responsible, sustainable lending.
Financial analysis
In-depth review of operations, cash flows and the purpose of financing.
Legal and regulatory compliance
Carefully documented transactions with appropriate security for both sides.
From first conversation to funding
A clear, direct process with the people who actually make the decisions and know how things work.
- Step 01
Initial conversation
Tell us about your business and what the financing is for. We quickly assess whether we're a good fit.
- Step 02
Analysis
Our team reviews your financials, operations and market position — with a focus on the business behind the numbers.
- Step 03
Structuring & decision
We design a structure that fits your cash cycle and goals, and reach a case-by-case decision fast.
- Step 04
Documentation & funding
Transaction documents and security are finalized, and funds are disbursed.
Small and medium-sized enterprises in the real economy
Well-established businesses that need a lender able to move quickly and understand their specifics.
- 01
Established and operational
A working business with a track record — not a start-up or a pre-revenue project.
- 02
Real sector of the economy
Companies that produce, build, move or sell real goods and services.
- 03
Financially healthy
Transparent financials and sustainable cash flows that support repayment.
- 04
Clear purpose of funds
A defined need: working capital, short-term liquidity, or development and expansion.
- Manufacturing
- Wholesale & retail trade
- Logistics & transport
- Agriculture & food
- Construction
- Business services
Let's discuss your financing needs
Share a few details about your business and request. Our team will review it and get back to you.
Either way, you will get:
- 01Response from a decision-maker, not a call center
- 02Initial feedback after a short conversation
- 03Confidential handling of your information
Prefer email?
info@openfinance.lv