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How Does It Work?

Apply for a Business Loan

Fill out a loan request on the ROIX platform in just a few minutes. A financing specialist will contact you and provide a list of required documents.

Loan Publishing

After evaluating your business's credit history and agreeing on favourable terms, your loan will be published on the ROIX platform. Investors who believe in your business will fund your project.

Loan Repayment

Repayment will follow a convenient, personalized schedule. Apply for a business loan today and boost your business growth!
€1B
ROIX shareholders' financing experience
€5M
Loans up to
10.8%
Average interest rate

Advantages

Strategic Financing Support

We were the first in Lithuania to offer junior debt and mezzanine debt solutions. Our team can tailor optimal — often multi-layered — capital structures for both real estate and business projects.

A Fixed-Return Partner, Not Just a Lender

With deep investment experience, we see every business and project through an investor’s lens — not just a creditor’s. This approach allows us to finance business growth, acquisitions, and even early-stage ventures.

The Largest Co-Investor Network

We collaborate with professional investors from Lithuania and abroad, managing a portfolio of over €500 million in debt investments. This enables us to finance large-scale, high-quality projects.

Loan types

Senior Loans for RE and Business

It is a traditional and widely recognized loan secured by first-rank collateral. Loan terms, pricing, repayment schedules, and loan-to-value ratios are tailored to each client.

Junior
Loans

Additional financing provided alongside senior (usually lower-cost bank) funding. These loans carry higher interest rates but help improve return on equity by combining with cheaper primary financing.

Mezzanine
Loans

A hybrid financing option that combines elements of both debt and equity. Typically used alongside bank financing, with pricing linked to the performance of the project or business. After all, sharing success is easier when there’s something to share.

M&A and Buyout Financing

Planning to acquire a competitor or buy out a business partner? We’ve financed acquisitions and shareholder buyouts in sectors like food, agriculture, high-tech, and more. We’re happy to share best practices from real-life cases.

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