R&D loan
A development loan on softer terms than a bank offers, and it can be partly written off if the project fails. Typical amount: up to 50–70% of project costs (interest: base rate −3pp, min 1%).
Facts last verified 23.7.2026
A development loan on softer terms than a bank offers, and it can be partly written off if the project fails. Worth checking before taking bank debt for R&D or piloting.
Key facts
- Provider: Business Finland
- Type: Loan
- Typical amount: up to 50–70% of project costs
- Rate / terms: interest: base rate −3pp, min 1%
- Legal basis: GBER logic
- Who it is for: Micro to large companies · R&D, digitalisation, energy
Frequently asked questions
How much funding does R&D loan provide?
Typical amount: up to 50–70% of project costs. Support level / terms: interest: base rate −3pp, min 1%.
Who can apply for R&D loan?
Provider: Business Finland. Company size: micro, small, medium, midcap, large. Typical use: R&D, digitalisation, energy.
On what legal basis is R&D loan granted?
GBER logic.
Indicative screening information, not advice. Amounts and rules change, so confirm the current terms and eligibility with the provider before you rely on them.
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