Financing Of The Economy. February 2026
The access of Estonian companies and households to bank loans is generally good. This is shown by loan growth that is notably faster than the average in Europe. The opinion of companies about the climate for borrowing improved further in 2025 and was above the average in Europe. It probably improved primarily because of interest rate cuts, but also because the outlook for the economy strengthened. Although it remains harder for small companies to access financing than it is for large ones, their access to funding has equally improved. Sentiment was better in all sectors, but especially so in real estate and ICT.
