Loans

The need determines the financing solution

Finnvera offers various loans for investments, growth, internationalisation, entrepreneurship and the working capital needs arising from the coronavirus crisis. Our primary form of financing is always a guarantee. We only grant a loan as part of the agreed total financing, so please always negotiate your financing project with your bank first.

NB! Before being granted a working capital loan for needs arising from the coronavirus crisis, you must have established that your company would not be granted debt financing by any bank or other provider of financing.

Working capital loan for financing needs caused by the corona crisis

The focus of financing granted by Finnvera is still on guarantees, but a companies can now also apply for a working capital loan directly from Finnvera if they cannot receive loan financing otherwise and Finnvera therefore cannot grant its financing as a guarantee. The loan cannot be used to repay the financier's existing receivables. The loan application can be filled using our online services.

Finnvera Loan

A 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. At present, Finnvera can only grant a Finnvera loan as part of the agreed total financing together with other financiers. If your company’s financing needs are related to the coronavirus situation, see Working Capital Loan for working capital needs caused by the coronavirus crisis.

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 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. 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.

Internationalization Loan

The Internationalization Loan is intented for financing the business operations of a Finnish SME abroad.

Bridge financing for the period preceding the payment of grants

Bridge financing means a loan granted by Finnvera to meet a company’s need for working capital during the period between a positive grant decision made by a Centre for Economic Development, Transport and the Environment (ELY Centre) or Business Finland and the actual payment of the grant.

Bond financing

Bond financing by Finnvera is well-suited for companies' general financing needs, such as investments, expansion and development of operations and the organisation of the financing structure. Because of their typical features and structure, bonds are best-suited for large financing needs.

Growth Loan

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