Bank term loan
The standard route for financing investments once repayment capacity is clear. Typical amount: €10k to millions (Euribor + 1–4% margin, case by case).
Facts last verified 23.7.2026
The standard route for financing investments once repayment capacity is clear. Pairs naturally with Finnvera guarantees when collateral is thin.
Key facts
- Provider: Banks
- Type: Loan
- Typical amount: €10k to millions
- Rate / terms: Euribor + 1–4% margin, case by case
- Legal basis: Market terms
- Who it is for: Micro to large companies · investment, energy, digitalisation
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 Bank term loan provide?
Typical amount: €10k to millions. Support level / terms: Euribor + 1–4% margin, case by case.
Who can apply for Bank term loan?
Provider: Banks. Company size: micro, small, medium, midcap, large. Typical use: investment, energy, digitalisation.
On what legal basis is Bank term loan 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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