Finnvera

Search finnvera.fi

For a smoother start

When you have a good idea and the willingness to test it, you’re already at the beginning of the path. Careful planning and smart financial arrangements help you get ahead. We offer your company financial solutions for early-stage acquisitions, investments and working capital needs.

Setting up a company

The website and telephone service of Enterprise Finland provide advice on setting up a company and starting business operations.
View more
Financial planning

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

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

Products

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.
Read more
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.
Read more
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.
Read more
Entrepreneur Loan

An Entrepreneur Loan is a personal loan to an entrepreneur and it can be used to finance 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.
Read more