Private debt / direct lending
Non-bank loans from credit funds for larger needs such as acquisitions, growth and refinancing. Typical amount: typically €5–50M (floating, often 6–10%; bullet repayment common).
Facts last verified 23.7.2026
Non-bank loans from credit funds for larger needs such as acquisitions, growth and refinancing. More structural flexibility than banks offer, at a higher price.
Key facts
- Provider: Private credit funds
- Type: Loan
- Typical amount: typically €5–50M
- Rate / terms: floating, often 6–10%; bullet repayment common
- Legal basis: Market terms
- Who it is for: Small to large companies · investment, 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 Private debt / direct lending provide?
Typical amount: typically €5–50M. Support level / terms: floating, often 6–10%; bullet repayment common.
Who can apply for Private debt / direct lending?
Provider: Private credit funds. Company size: small, medium, midcap, large. Typical use: investment, international growth, working capital.
On what legal basis is Private debt / direct lending 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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