Applying for a guarantee or loan

• Our primary form of financing is a guarantee, so please contact your bank first. Your bank can apply for a guarantee on your behalf.
• We only grant loans as part of agreed overall financing in collaboration with other financing providers, so please always negotiate about your financing project with your bank first.
• If you wish, you can contact our customer service to discuss financing options best suited for your company.

If your company lacks the guarantees required by the bank, Finnvera’s guarantee may be what is needed to secure financing.

• Finnvera's Start Guarantee is intended for start-up enterprises.
• The SME Guarantee for growth-oriented enterprises which have been in operation for more than three years.
• If the Start Guarantee or the SME Guarantee does not suit your enterprise’s financing needs, your bank may also apply for the Finnvera Guarantee on your behalf.

When the Start Guarantee or the SME Guarantee is applied for by the bank, you do not need to be in direct contact with Finnvera. In this case, we will submit the financing decision to the bank, and they will contact you.

When the bank applies for a Finnvera Guarantee on your behalf, you will be contacted by our expert. You will receive a financing offer for approval via online service or by secure email.

You can apply for other Finnvera financing or an amendment to your granted financing in our online service. Our experts and online service guide you in choosing the financing solution that suits your needs. We are happy to assist you in filling in the financing application and in all issues related to corporate financing.

On our website, you can find extensive information about the financing options provided by Finnvera. Please familiarise yourself with our financing options, whether you are setting up a new company or expanding your business activities.