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Guarantees

We guarantee that your business will develop and continue

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. The State of Finland is responsible for the guarantees granted by Finnvera. The names of our guarantee products indicate the business development stages for which they are intended.

Start Guarantee

Finnvera’s Start Guarantee helps new SMEs to obtain bank financing for various investment and working capital needs. Finnvera’s Start Guarantee can be used for working capital needs caused by the coronavirus as well by companies which have been operating for maximum three years.
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Ship Guarantee

The Ship Guarantee is intended as security for credits granted to Finnish companies engaged in shipping or shipbuilding. It can be granted to companies irrespective of their size or ownership.
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Finnvera Guarantee

The Finnvera Guarantee is intended for use as guarantee various domestic financing needs of SMEs, such as investments and/or working capital and financing required by business or enterprise acquisitions. It is a suitable option for SMEs and, on special grounds, for large corporates, too. The Finnvera Guarantee can also be used for the increased working capital needs of small and medium-sized enterprises due to the coronavirus in cases where the Start Guarantee or SME Guarantee is not suitable in the company’s situation.
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Internationalisation Guarantee

The internationalisation guarantee is intended to serve as collateral for financing the business operations of a Finnish SME abroad.
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SME Guarantee

Finnvera’s SME Guarantee makes it easier for growth seeking SMEs to get a bank loan for investment, working capital or product development needs. Finnvera’s SME Guarantee which does not require a countersecurity can now, as an exception, be used for working capital needs caused by the coronavirus.
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Export Guarantee

Export Guarantees – an instrument for covering domestic needs for collateral in exports.
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Environmental Guarantee

Environmental Guarantees can be granted as security for credits that are used for environmental protection investments, renewable energy projects or projects improving energy efficiency. Environmental Guarantee is mainly targeted for large companies throughout Finland.
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