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Internationalisation Loan

The Internationalisation Loan is intended for financing the business operations of a Finnish SME abroad.

Loan for internationalisation projects of Finnish companies

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. Other targets of financing may include the acquisition or increase of holdings or the increase of the share capital in a subsidiary or joint venture abroad. After the investment, the recipient of financing should hold a minimum of 1/5 of the votes of the foreign associated company.

The internationalisation project should considerably promote the operations of the company in Finland.

What kind of company is an Internationalisation Loan suitable for

  • To SMEs operating in Finland, and the project in question must promote the enterprise’s operations. With certain limitations financing can also be granted for larger companies.
  • The operations of the foreign subsidiary or associated company being financed should primarily comprise production, assembly, maintenance or services. Financing cannot directly target export financing, in other words, it cannot be used solely for establishing a sales office.
  • Internationalisation Loan can be applied for by companies with fewer than 250 employees and the annual turnover no more than EUR 50 million or the balance sheet total of EUR 43 million, at a maximum.

In addition, the company's ownership and holdings in other companies may influence whether the company is an SME.

In the allocation of financial services, Finnvera complies with the industry restrictions on state aid in the European Union.

Terms and conditions of the Internationalisation Loan

Applying for the Internationalisation Loan

Apply for a Internationalisation Loan through our Online Service.

Finnvera's online service provides a secure and easy way for submitting financing applications. You can log in to the online service with your personal online banking credentials or mobile certificate.

Please note that the person applying for financing must be the person responsible for the company authorised to sign on behalf of the company or, in the case of a company in the process of being established, the owner of the company. In addition to these, a person who has been granted mandates for transactions in the Suomi.fi e-Authorizations service by the responsible person registered in the company's Trade Register can also be entered as the company's contact person in the financing application.

Enclose the necessary attachments to your application.

You will speed up the processing of the application by submitting with the application:

  • Business plan
  • Profit plan
  • From an active company, financial statements for the previous three financial years and the latest available information for the current financial year

Should you wish, you can draw up a business plan and a profit plan in the Enterprise Finland service. The results and financial plan forms are available on the Yritystutkimus ry's website (if needed).

We will contact you.

We will contact you by phone within a week after we have received your application.

Before making a financing decision, Finnvera carries out a business analysis to establish the applicant's financial situation and capabilities for repaying the loan, as well as the enterprise’s potential for profitable business. We assess your goals, strategy and development plans and the market situation.

Finnvera make a financing decision.

In addition to the scope of the project, the processing time will be affected by the coverage of the data submitted by application and any additional necessary information on the project to be financed.

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