Loans | Finnvera

The need determines the financing solution

Finnvera's primary form of financing is a guarantee, but companies can also apply for a loan directly from Finnvera. We only grant loans as part of the company's agreed overall financing, so please always negotiate your financing project with your bank first.

The Entrepreneur Loan may be used for acquiring shares in a public limited company or making an investment in the share capital.
The loan can be granted to several shareholders in the same enterprise.
The minimum amount of the loan is EUR 20,000.

At present, the Finnvera loan can only be granted as part of an agreed total financing together with other financiers.
The loan is intended for small and medium-sized companies and can be used to finance domestic construction, machinery and equipment investments, energy and environment projects, working capital needs, and various ownership arrangements.
The minimum amount of the Finnvera Loan is EUR 50,000.

To SMEs and midcap companies for the financing of major growth or internationalisation projects and corporate restructuring.
For the financing of business arrangements.
The minimum amount of the Growth Loan is generally EUR 500,000.

The loan is intended for promoting the green and sustainable transition of Finnish companies.
For companies that promote, for example, the use of renewable energy sources, energy efficiency, the use of sustainable materials, or the transition to a circular economy.
The loan amount is EUR 150,000–2,000,000 per financing project.

The loan is intended for the innovation and digitalisation investments of Finnish companies.
For start-ups and companies in operation whose funding needs focus on product development or digitalisation of business models.
The loan amount is EUR 150,000–2,000,000 per financing project.

The loan is intended for financing a Finnish SME’s operations abroad.
The financing may target, for instance, investments, development or financing for growth for a Finnish SME’s subsidiary, associated company or branch office that has been, or is planned to be, established abroad.
With certain limitations financing can also be granted for larger companies.

The bond financing is intended for the investments, expansion and development of operations and the organisation of the financing structure.
A group of lenders or investors marks a bond issued by a company in need of a loan.
Best-suited for large financing needs.

Finnvera's financing that is used to compensate for a company's financing needs between a positive grant decision and the payment of the grant.
The minimum amount for the loan is EUR 50,000.
Bridge financing is carried out through Finnvera's working capital loan.

Questions and answers

In the Questions and answers section you will find answers to questions about our financing.

Information for those applying for a Finnvera guarantee or loan

On this page, you will find information on how to apply for financing and the matters you should take into account.

Guarantees

Your company can use our guarantees as security for credits received from banks and other providers of financing, as well as for other contingent liabilities.

Charges

Finnvera charges interest on its lending and a guarantee fee for its guarantees. The Service Price List shows the most common charges, fees and other charges to be charged.

The need determines the financing solution

Entrepreneur Loan

Finnvera Loan

Growth Loan

Climate and Environmental Loan

Digitalisation and Innovation Loan

Internationalisation Loan

Bond financing

Bridge financing

See also

Questions and answers

Information for those applying for a Finnvera guarantee or loan

Guarantees

Charges