Loans

The need determines the financing solution

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

Finnvera Loan

The Finnvera Loan (Investment and Working Capital Loan) is intended for small and medium-sized companies. 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.

Entrepreneur Loan

An Entrepreneur Loan is a personal loan granted to an entrepreneur. It may be used for acquiring shares in a public limited company or making an investment in the share capital or invested non-restricted equity fund of a limited liability company.

Internationalisation Loan

The Internationalisation 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 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.