TyEL relending
An often-forgotten source: borrow back part of the pension contributions your company has paid over the years. Typical amount: up to your company’s accumulated share of paid TyEL contributions (TyEL loan rate + guarantee cost · 1–10 y).
Facts last verified 23.7.2026
An often-forgotten source: borrow back part of the pension contributions your company has paid over the years. Ask your pension insurer for your relending quota; a bank or Garantia guarantee is required.
Key facts
- Provider: Pension insurance companies
- Type: Loan
- Typical amount: up to your company’s accumulated share of paid TyEL contributions
- Rate / terms: TyEL loan rate + guarantee cost · 1–10 y
- Legal basis: Market terms
- Who it is for: Micro to large companies · working capital, investment
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 TyEL relending provide?
Typical amount: up to your company’s accumulated share of paid TyEL contributions. Support level / terms: TyEL loan rate + guarantee cost · 1–10 y.
Who can apply for TyEL relending?
Provider: Pension insurance companies. Company size: micro, small, medium, midcap, large. Typical use: working capital, investment.
On what legal basis is TyEL relending 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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