Finnvera can contribute to financing at various stages in the enterprise life cycle whenever prerequisites for success exist. It is important for us to ensure that profitable projects do not fail for lack of financing. Whether the enterprise is a start-up or a growth company entering the international market, or is already operating abroad, it can apply for a loan or a guarantee from us to finance its business.
Starting a business
Finnvera can contribute to the financing of enterprise activities during the early stage by providing loans and guarantees when the business is seen as having the potential for success.
Finnvera’s Start Guarantee helps start-ups and enterprises that have been in business for less than three years to obtain bank financing for various investment and working capital needs.
Competitiveness and growth
A growing company strengthening its competitiveness can apply for loans and guarantees from Finnvera for developing its operations, for investments or for growth.
Companies that have been in business for less than three years may be entitled to Finnvera’s Start Guarantee, which helps enterprises to obtain financing from a bank for various investment and working capital needs. Companies that have been in business longer can apply for other guarantees from Finnvera.
We can grant Growth Loans for financing major growth projects and corporate reorganisations undertaken by SMEs and midcap companies that have been in business for over three years. We can also subscribe bonds issued by enterprises provided that the enterprise’s turnover does not exceed EUR 300 million.
A company aiming at international markets may apply for Finnvera’s loans and guarantees for expanding its operations abroad. The Internationalisation Loan provided by Finnvera is intended for financing a Finnish SME’s business abroad.
Finnvera also offers Internationalisation Guarantees as collateral for financing a Finnish SME’s business abroad. The intended use may be, for instance, investments, development or financing for growth for a Finnish SME that has, or plans to establish, a subsidiary or an associated company or a branch office abroad. Further information about Finnvera’s loans and guarantees.
Finnvera also provides your company with solutions to cover payment risks in export trade and to ease financing problems. For more information on export credit guarantees and the criteria for granting them, please click here.
Your company should have equal opportunities to compete on the international market. Among Finnvera’s diverse selection of export credit guarantees, exporters and financiers find solutions for covering payment risks in export trade and for easing financing problems.
Working together with Finnvera, Finnish Export Credit Ltd, a subsidiary of Finnvera, provides exporters and financial institutions with competitive export financing services, such as financing for export credits and interest equalisation. Export financing services facilitate export transactions benefiting Finns and provide protection against risks arising from exports.
Loans granted by product in 2016
|Entrepreneur loans||Investment and working capital loans||Bonds|
Ownership changes financed
|Ownership changes financed||117.9||107.9||87.6||116.5||140.9|
Domestic guarantees granted by product in 2016
|Investment and working capital||For current account and overdraft||Start guarantees||For deliveries|
Finnvera serves it clients online and at 15 branch offices. In addition, Finnvera has a representative office in St. Petersburg, which helps Finnish enterprises seeking entry into the Russian market or operating there.
The nationally operating Growth and Internationalisation Team serves growing and internationalising enterprises in their financing needs. The experts of the Large Corporates business work in Helsinki. From there they serve large export companies operating in Finland and are responsible for Finnvera’s foreign risk-taking.