Finnvera Guarantee

Finnvera Guarantee is intended for SMEs as security for domestic financing in such areas as investments and/or working capital and business and company acquisitions. In addition to SMEs, it can also be used by large companies that meet specific requirements.

Finnvera Guarantee can be used as security for loans and bank guarantees provided by banks, financing companies or insurance companies in such instruments as promissory notes, accounts with overdraft facility, credit limits, bank guarantees (delivery security and other contingent liabilities), bank guarantee limits (delivery security) and factoring financing. The financing risk is shared by Finnvera and the provider of financing. Finnvera Guarantee is usually 50 per cent of the credit or other financing commitment.

Finnvera Guarantees are provided for all sectors, except for farming, forestry and building developer's business. In its financing services, Finnvera observes the restrictions on the sectoral targeting of state aid imposed by the European Union.


Online Application (open a new web browser)

Application (PDF)

Brochure (PDF)


Enterprise Finland > Business plan

  • Front page Online Service

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

  • Front page 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.