Finnvera provide its clients with loans, guarantees, venture capital investments and export financing services.
Within the Finnvera Group, venture capital investments are carried out by Finnvera's subsidiaries: Veraventure Ltd and Seed Fund Vera Ltd.

Finnish Export Credit Ltd, another subsidiary of Finnvera, administers the interest equalization system for officially supported export credits and domestic ship financing in accordance with the OECD Arrangement.

Financing for domestic operations of enterprises

In 2013, Finnvera granted domestic loans and guarantees to SMEs totalling EUR 756 million, which is 11 per cent less than in 2012. The demand for SME financing was moderate, falling just below the previous year’s level.


In 2013, the amount of export credit guarantees and special guarantees offered declined 36 per cent from the previous year, totalling EUR 3,398 million (5,351). In addition to Finland, the most guarantees were offered for exports to Spain and Saudi Arabia.

SME Financing 30.11.2014 31.12.2013 31.12.2012 31.12.2011 31.12.2010
Offered financing, MEUR 815 757 853 977 914
Export credit guarantees and special guarantees 30.11.2014 31.12.2013 31.12.2012 31.12.2011 31.12.2010
Offered financing, MEUR 4 989 3 398 5 351 3 796 2 379


Annual Report 2013

  • Frontpage Online Service

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

  • Frontpage Telephone service

    Telephone service is available from Monday to Friday between 9:00 a.m. and 4:15 p.m.


Finnvera provides financing for the start, growth and internationalisation of enterprises and guarantees against risks arising from exports. Finnvera strengthens the operating potential and competitiveness of Finnish enterprises by offering loans, domestic guarantees, venture capital investments, export credit guarantees and other services associated with the financing of exports. The risks included in financing are shared between Finnvera and other providers of financing.

Finnvera is a specialised financing company owned by the State of Finland and it is the official Export Credit Agency (ECA) of Finland.