Micro-Enterprise Growth Loan
A direct growth loan introduced in 2026 for micro-enterprises that cannot obtain bank financing. Typical amount: €20k–50k (6-mo Euribor +4.5%, max 5 yrs +1 grace).
Facts last verified 23.7.2026
A direct growth loan introduced in 2026 for micro-enterprises that cannot obtain bank financing.
Key facts
- Provider: Finnvera
- Type: Loan
- Typical amount: €20k–50k
- Rate / terms: 6-mo Euribor +4.5%, max 5 yrs +1 grace
- Legal basis: May include de minimis
- Who it is for: Micro companies · investment, working capital, digitalisation, starting up
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 Micro-Enterprise Growth Loan provide?
Typical amount: €20k–50k. Support level / terms: 6-mo Euribor +4.5%, max 5 yrs +1 grace.
Who can apply for Micro-Enterprise Growth Loan?
Provider: Finnvera. Company size: micro. Typical use: investment, working capital, digitalisation, starting up.
On what legal basis is Micro-Enterprise Growth Loan granted?
May include de minimis.
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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