Finance that
thinks in brands,
not just numbers.
BB Brands SIA structures lending for businesses with identity and ambition. We combine the rigor of institutional underwriting with the agility of a partner who understands that every brand has its own rhythm.
We believe capital should fit the business — not the other way around. No templates. No noise. No hidden conditions. Just facilities designed around how your company actually earns, spends, and grows.
Facilitated
Retention
Decision
Markets
Three facilities. One philosophy.
Each product we offer is built around a single principle: the structure must serve the business, never constrain it. Here is how we translate that into practice.
Working Capital, Reimagined
Revolving facilities from €15,000 – €450,000 that flex with your receivables cycle rather than forcing your cash flow into a fixed mould.
We underwrite the order book and the customer base — the things that actually predict repayment — not just last year's balance sheet.
Asset-Backed Lending
Commercial property, industrial equipment, and fleet financing from 3.7% APR, with tenors matched to the useful life of the asset.
Valuation, legal coordination, and disbursement are handled by a single relationship manager — no relay race between departments.
Bridge & Acquisition Finance
When timing is the deciding factor, our bridge facilities close in as little as 5 days — designed for acquisitions, buyouts, and refinancing deadlines.
Daily interest calculation, no early-exit penalty. You move on your schedule, not ours.
Things worth knowing before you sign.
Borrowers who understand the mechanics of their facility consistently negotiate better outcomes. These three data points are the ones we cite most often.
Half a percentage point on a €250,000 facility over seven years equals roughly €8,750 in extra interest. That one negotiation hour returns more than most cost-cutting exercises combined.
Most SME loan defaults are triggered by mismatched repayment schedules, not high rates. A facility that fits your cash cycle prevents more failures than a marginally lower headline rate.
In competitive acquisition processes, buyers with pre-arranged financing close roughly four times more often than those still shopping for capital. Financing readiness is a genuine strategic asset — not a back-office task.
Four stages. Clearly mapped.
We do not believe in black-box underwriting. At every stage you know what we have, what we still need, and what happens next.
Conversation
A 20-minute call to map the financing need, the timeline, and any constraints. No commitment and no paperwork — just clarity.
Indicative Terms
A written term sheet within 24 hours: amount, rate, tenor, and conditions. Complete enough to make a real decision.
Underwriting
Financials, collateral, and structure reviewed together. Most decisions are rendered within 48 hours of complete documentation.
Disbursement
Legal formalities completed, funds released to your designated account on the agreed schedule. One point of contact throughout.
Let's talk capital.
Response within one business day
Riga, LV-1005
Latvia
BB Brands App
Track applications, review term sheets, and manage disbursements from your phone. A single dashboard for every facility.