Loans

The most important criterion for our loans is that they fall in the right place and purpose within your company's lifecycle: When setting up a company, investing, or focusing on growth, internationalisation or exports.

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.

Entrepreneur Loan

Entrepreneur's personal loan

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

Finnvera Loan

Investment and Working Capital Loan

  • 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.

Growth Loan

Debt-based mezzanine financing product

  • 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.

Internationalisation Loan

For financing the business operations abroad

  • 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.

Bond financing

For companies' general financing needs

  • Is intended for 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. 
  • Is best-suited for large financing needs.

Bridge financing

For the period preceding the payment of grants

  • To meet a company’s need for working capital during the period between a positive grant decision made by Business Finland and the actual 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.

See also

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.