SME Guarantee
A collateral-free guarantee on bank loans for established, financially sound SMEs, covering working capital and investments. Typical amount: €10k–200k per guarantee (€300k ceiling) (up to 80% cover, no collateral needed).
Facts last verified 23.7.2026
A collateral-free guarantee on bank loans for established, financially sound SMEs, covering working capital and investments.
Key facts
- Provider: Finnvera
- Type: Guarantee
- Typical amount: €10k–200k per guarantee (€300k ceiling)
- Rate / terms: up to 80% cover, no collateral needed
- Legal basis: De minimis
- Who it is for: Micro to medium companies · investment, working capital, digitalisation, R&D
How to apply
Finnvera financing usually travels together with your bank. For guarantees, start at the bank: it assesses the loan first, and the Finnvera guarantee covers part of its risk. It pays to ask your bank explicitly whether a Finnvera guarantee would change its answer.
Apply through Finnvera's online service with up-to-date financial statements and a realistic cash-flow projection. Finnvera assesses repayment ability — the plan matters more than collateral, but a credible repayment story is non-negotiable.
Check the current terms and fees on Finnvera's official pages before applying.
Frequently asked questions
How much funding does SME Guarantee provide?
Typical amount: €10k–200k per guarantee (€300k ceiling). Support level / terms: up to 80% cover, no collateral needed.
Who can apply for SME Guarantee?
Provider: Finnvera. Company size: micro, small, medium. Typical use: investment, working capital, digitalisation, R&D.
On what legal basis is SME Guarantee granted?
De minimis. De minimis aid counts toward your company's cumulative de minimis ceiling over a rolling three-year period, so track your total before applying.
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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