Loan Guarantee (Fast Lane)

Finnvera’s guarantee share of a promissory note loan is up to 80%. The minimum amount of an individual Loan Guarantee (Fast Lane) granted at one time is EUR 10,000 and the maximum amount is EUR 200,000.

The total amount of Loan Guarantees (Fast Lane) granted to a single company may not exceed EUR 300,000, including any outstanding financial offers.

If your financing need is greater, you can apply for a Finnvera guarantee for the project.

• The company must meet the EU definition of an SME, have a Rating Alfa rating of at least A (according to Suomen Asiakastieto’s Rating Alfa classification), and natural persons must hold more than 50% ownership in the company.
• A domestic company means a company or sole trader that has been established and operates in Finland. The company may also have corporate shareholders, but their combined ownership must remain below 50%.
• The company and its owners and responsible persons must have no payment defaults or other adverse credit information. The persons in charge must not have business connections involving bankruptcy proceedings or partnerships subject to payment defaults.
• A Loan Guarantee (Fast Lane) is not intended for paying existing arrears or restructuring existing liabilities to financiers.
• A Loan Guarantee (Fast Lane) cannot be granted if the applicant company’s equity is negative in its latest confirmed financial statements. For limited liability companies, equity is verified based on the most recent approved financial statements filed with the Finnish Patent and Registration Office.
• At the time of application, the company’s Finnvera liabilities, together with those of the customer group associated with the company, including the guarantee applied for and guarantee commitments related to tenders, amount to less than EUR 300,000.

• Eligible sectors include all sectors except primary agricultural production, forestry and developer-led construction.
• In addition, Finnvera’s credit policy excludes certain other sectors from financing. Check the list of sectors that Finnvera cannot finance.
• A Loan Guarantee (Fast Lane) is not intended for business acquisitions implemented as share purchases, the acquisition of a company’s own shares, premises acquisitions or export financing.
• A Loan Guarantee (Fast Lane) is not available if another Finnvera loan or guarantee is applied for simultaneously for the same project.
• The guarantee is suitable for companies operating in the fisheries sector, but the financing must not include de minimis aid.
• The de minimis aid included in the guarantee may prevent the customer from receiving other public support or grants. If necessary, the Loan Guarantee (Fast Lane) may be priced without an aid element.

The company must notify the financier of any other aid or subsidies granted for, or applied for in connection with, the same project at the same time. If such aid has not been disclosed to the financier and the project includes other public funding in addition to a Finnvera guarantee, the aid element contained in the Finnvera guarantee may affect the decision on the grant or subsidy. Public support may be awarded, for example, by the Economic Development Centres, Business Finland and municipalities.

A guarantee can only be granted for an amortising term loan, and at the time the guarantee is granted, the loan term may not exceed eight years.

It is possible to agree on a repayment-free period at the beginning of the loan with the financier.

No new specific collateral is required for the guarantee to be granted.

However, it should be noted that any general collateral currently held by Finnvera or later obtained by Finnvera serves as collateral for the Loan Guarantee (Fast Lane).

Finnvera does not require the applicant to provide an own contribution.

The company must notify the financier of any other aid or subsidies granted for, or applied for in connection with, the same project at the same time. If such aid has not been disclosed to the financier and the project includes other public funding in addition to a Finnvera guarantee, the aid element contained in the Finnvera guarantee may affect the decision on the grant or subsidy. Public support may be awarded, for example, by the Economic Development Centres, Business Finland and municipalities.

Finnvera plc is required to publish information on the calculated aid element arising from Finnvera's financing and amendment decisions made on or after 1 January 2026 in the public information service for state aid. The information to be published includes the beneficiary's name, Business ID, the amount of the calculated aid element, the date of the decision, and the aid-granting authority. This publication requirement is new and constitutes an exception to the confidentiality obligations concerning Finnvera's customer information, commonly referred to as banking secrecy.

However, it should be noted that only the specific aid information referred to above will be published in the State aid register. All other information relating to Finnvera financing and the customer relationship will continue to remain confidential.

Once the guarantee becomes effective, Finnvera charges the company a guarantee commission and a service fee. The pricing of the Loan Guarantee (Fast Lane) is determined based on the Rating Alfa classification assigned to the company by Suomen Asiakastieto.

• For companies rated AAA or AA+, the guarantee commission is 0.95% p.a. of the guarantee balance reported by the bank.
• For companies rated AA, A+ and A, the guarantee commission is 1.95% p.a.
• Finnvera charges the guarantee commission quarterly.
• The service fee is 1.0% of the guarantee amount, with a minimum of EUR 150 and a maximum of EUR 1,000.
• If necessary, the guarantee may be priced without an aid element where no further de minimis aid may accrue under the guarantee. In such cases, however, the price will always be at least the amount specified in the pricing table above.

Read more about the invoicing of the guarantee commission and our service price list.