Finnvera

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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.
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Financial planning

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

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

Start Guarantee

Start Guarantee makes it easier for your enterprise to get a bank loan.
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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.
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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.
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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.
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