Financing operations

On this page you will find current figures about Finnvera's financing as well as information about the grounds for risk-taking.

Key information about Finnvera's financing

By providing financing, Finnvera influences the competitiveness of Finnish enterprises - their opportunities to operate and grow in Finland and to enter international markets. Finnvera can provide financing for most sectors.

Finnvera enables comprehensive financing solutions that encompass the Finnvera Group's own products and the services offered by other public and private financiers.

Financing and outstanding commitments by business units

Offered financing (EUR bn)20232022202120202019
Domestic financing*
Export financing**

* Includes Loans, Guarantees, Export Guarantees and Export Credit Guarantees for SMEs
**Includes Export Credit Guarantees and Special Guarantees

Outstanding commitments (EUR bn)12/202312/2022 12/202112/202012/2019
Domestic financing*
Export financing**22.823.522.222.025.2

* Includes Loans, Guarantees, Export Guarantees and Export Credit Guarantees for SMEs as well as guarantee and export guarantee receivables
**Includes Export Credit Guarantees and Special Guarantees

Finnvera financing is suitable for most sectors and industries. However, there are certain sectors that are not covered by Finnvera's financial operations.


Controlled risk-taking is an integral part of Finnvera’s operations. According to the goal of self-sustainability set for Finnvera’s operations, income received from commercial operations must, in the long-run, cover both the company’s own operating expenses and the credit and guarantee losses for which it bears responsibility.


The monitoring of client companies’ financial and operational situation is part of Finnvera’s risk management. Finnvera’s aim is to respond to any weakening in the client enterprise’s situation as early as possible in order to secure viable business.

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