Venture debt
Extends runway between equity rounds without immediate dilution. Typical amount: typically €0.5–5M (interest + warrants).
Facts last verified 23.7.2026
Extends runway between equity rounds without immediate dilution. Realistic mainly for companies that already have institutional investors.
Key facts
- Provider: Specialist lenders
- Type: Loan
- Typical amount: typically €0.5–5M
- Rate / terms: interest + warrants
- Legal basis: Market terms
- Who it is for: Micro to medium companies · R&D, international growth, working capital
How to apply
There is no application form here — this is a negotiation. Banks assess repayment ability and collateral: bring up-to-date financials, a cash-flow forecast, and a clear use of funds. Investors assess the growth story: bring evidence of traction and a defensible view of the market.
Competition works in your favour. Terms for loans, leasing, factoring and investment vary widely between providers, and a second offer is the strongest negotiating tool there is.
Public instruments often stack with market financing — a Finnvera guarantee can turn a bank's no into a yes, and a grant-funded project makes the investor case stronger.
Frequently asked questions
How much funding does Venture debt provide?
Typical amount: typically €0.5–5M. Support level / terms: interest + warrants.
Who can apply for Venture debt?
Provider: Specialist lenders. Company size: micro, small, medium. Typical use: R&D, international growth, working capital.
On what legal basis is Venture debt granted?
Market terms.
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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