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Does lack of capital restrict your company’s growth?

You have a clear direction. Your company is on a growth track, and you want to implement your carefully considered and profitable growth plan. Finnvera can participate in the financing of your company together with your bank. We supplement the financing arranged by the bank by granting loans and guarantees that can be used as security for a bank loan.

  • Financial planning for growth

    For a growth company, advance financial planning is also a tool for assessing risks.  When risks are measurable, they can also be managed better.

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  • Applying for growth financing

    Finnvera's online service provides a secure and easy way for submitting financing applications. Log in to the service using your personal banking ID or your Katso ID.

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  • Charges

    Finnvera charges interest on its lending (reference rate + margin) and a guarantee fee for its guarantees. In addition, Finnvera also charges a service fee for each loan.

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  • Loan repayment

    Loan repayment is in accordance with the repayment plan laid down in the agreement.

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Products

  • Finnvera Loan

    A Finnvera Loan (previously named Investment and Working Capital Loan) is intended for newly established and existing small and medium-sized enterprises. It can be used to finance domestic construction, machinery and equipment investments, energy and environment projects, working capital needs, and various ownership arrangements.

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  • Finnvera Guarantee

    Finnvera Guarantee is intended for SMEs as security for domestic financing in such areas as investments and/or working capital and business and company acquisitions. In addition to SMEs, it can also be used by large companies that meet specific requirements.

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  • Start Guarantee

    Start Guarantee is intended for newly launched enterprises that are owned by private individuals and meet the SME definition applied by the EU. Another criterion is that no more than three years has passed since their entry into the Trade Register.

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  • Growth Loan

    Finnvera can grant Growth Loans to SMEs and midcap companies for the financing of major growth or internationalisation projects and corporate restructuring.

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Switchboard

029 460 11 (weekdays 9:00 a.m. and 4:15 p.m.)

Financial advice

029 460 2582 (weekdays 9:00 a.m. and 4:15 p.m.)

Other matters

029 460 2790 (weekdays 9:00 a.m. and 4:15 p.m.)

Helsinki Headquarters

Porkkalankatu 1

PL 1010, 00101 Helsinki

Kuopio Headquarters

Kallanranta 11

PL 1127, 70111 Kuopio

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