Start Guarantee
Finnvera guarantees up to 80% of a bank loan for a company under three years old, which is how most young firms secure their first bank financing. Typical amount: €10k–80k per loan (covers up to 80% of a bank loan).
Facts last verified 23.7.2026
Finnvera guarantees up to 80% of a bank loan for a company under three years old, which is how most young firms secure their first bank financing.
Key facts
- Provider: Finnvera
- Type: Guarantee
- Typical amount: €10k–80k per loan
- Rate / terms: covers up to 80% of a bank loan
- Legal basis: De minimis
- Who it is for: Micro to small companies · starting up, working capital, investment, digitalisation
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 Start Guarantee provide?
Typical amount: €10k–80k per loan. Support level / terms: covers up to 80% of a bank loan.
Who can apply for Start Guarantee?
Provider: Finnvera. Company size: micro, small. Typical use: starting up, working capital, investment, digitalisation.
On what legal basis is Start 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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