Transfer of ownership

Are you planning to sell your company? Are you considering buying a company?

Know the right moment. When a company changes ownership, both buyer and seller turn a new leaf: investment in the future provides a ready foundation on which to build, and the reward for the work done carries towards the next steps in career and life.

Information about transfer of ownership

In corporate reorganisations, financing is usually required for paying the sales price, for investments or for working capital. Finnvera can provide loans and guarantees for such situations.

A checklist for purchasing a company

If you're interested in buying a company start by going through this checklist.

Financial planning when setting up a business

Applying for financing during the setting up of a company requires careful planning and financial calculations.

Applying for financing when setting up a business

It's often most convenient for a new company to apply for financing from a bank. However, if you are seeking a loan from a bank but do not have the collateral required by the bank, a Start Guarantee provided by Finnvera may be the solution.

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.

Loan repayment

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

Products

Finnvera Loan

The Finnvera Loan (Investment and Working Capital Loan) is intended for 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. NB! First, negotiate financing with your bank. Currently, Finnvera can only grant the Finnvera loan as part of the agreed overall financing together with other providers of financing. If your company’s financing needs are related to at coronavirus situation, see Working Capital Loan for financing needs caused by the coronavirus crisis.

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.

Entrepreneur Loan

An Entrepreneur Loan is a personal loan granted to an entrepreneur. It can be used for financing investments in the share capital of a limited company and/or in the fund of the invested unrestricted shareholder’s equity. An Entrepreneur Loan can also be used to finance purchases of shares of an existing limited company. NB! First, negotiate financing with your bank. An Entrepreneur loan is not granted for working capital needs arising from the coronavirus crisis. Primarily, find out the conditions for a loan granted to a company, which is guaranteed by Finnvera, and secondarily for a loan granted directly by Finnvera. See Working Capital Loan for working capital needs caused by the coronavirus crisis.

Growth Loan

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