Investments

Often the growth of an enterprise requires investments. To finance these, the enterprise can apply for Finnvera’s loans and guarantees. Investments can be used, for instance, to pay for means of production, equipment or premises.

SMEs can also apply for financing from Finnvera to make voluntary investments in the environment. Environmental loans are granted for investments in resource-saving technology or for external investments reducing emissions.

Products

Investment and Working Capital Loan

Environmental Loan
Micro-guarantee

Online Services

Finnvera's customers can submit applications for business financing safely and securely by using Finnvera plc's Online Services.

Telephone service

020 690 784

For Business Angels

Investment and Working Capital Loan

An Investments and Working Capital Loan is intended for newly established and existing enterprises to finance investments in buildings, machinery and equipment and to provide working capital needed because of growth.

Finnvera can provide financing for enterprises in almost every sector; only actual farming, forestry and building developer's business remain outside our range of financing.

Enterprises with less than 250 employees, a maximum of EUR 50 million turnover or balance sheet total of EUR 43 million can apply for an Investments and Working Capital loan.

In 2007–2013 interest support for the loan may be obtainable from the European Regional Development Fund (ERDF), provided that the enterprise and the project are located in the EU objective regions, as defined in EU regional policy, and meet the eligibility criteria for assistance.

Attachments
Online Application (open a new web browser)
Application (PDF)

Brochure (PDF)

Environmental Loan

An environmental loan is intended for voluntary environmental investments by SMEs. Projects should be based on the best technology available and the investment should give rise to significant positive environmental impacts.

In accordance with its lifecycle philosophy, Finnvera finances environmental projects whose positive environmental impacts relate to raw materials and other tangible production investments, product manufacture, energy consumption, emissions reduction, the removal of a product from use or improvements to the working environment (including noise, dust and particle emissions).

The interest rate of an Environmental Loan is lower than on a normal Finnvera investment loan.

Attachments
Online Application (open a new web browser)
Application (PDF)

Environmental Loan, brochure (PDF)

Micro-guarantee

A Micro-guarantee helps SMEs to obtain financing for different investment and working capital needs. A Micro-guarantee is intended for enterprises employing a maximum of 49 persons. They may operate in any business field, except the actual farming industry, forestry or building developer's business.

An enterprise applies for financing in a bank which makes an assessment of it’s prerequisites for profitable business and the collateral risks involved in the financing. The bank then applies for Finnvera’s Micro-guarantee electronically on behalf of the enterprise. Based on that application Finnvera then makes it’s guarantee decision. The enterprise itself is usually not in direct contact with Finnvera regarding the Micro-guarantee.

A Micro-guarantee is based on a credit and guarantee facility agreement, concluded between Finnvera and banks, to enable fast handling of applications in Finnvera. All branches of Nordea Bank Finland plc, Sampo Bank plc, Aktia Bank plc, Stadshypotek AB (publ), Branch Operations in Finland, Svenska Handelsbanken AB, Tapiola Bank Ltd, Optia Saving Bank, Cooperative Banks, Helsinki OP Bank well as a number of local savings and cooperative banks are covered by the agreement. If the bank is not covered by the agreement, Finnvera’s other guarantee products can be used as a guarantee for the loan.

Finnvera can guarantee 60 % of the loan at the most. The maximum amount of loans guaranteed with Micro-guarantees per enterprise can be 85 000 €.

Application
A bank applies for Micro-guarantee on behalf of the enterprise

Brochure
Micro-guarantee, brochure (PDF)