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.
A collateral-free guarantee on bank loans for established, financially sound SMEs, covering working capital and investments.
Finnvera's general guarantee for financing larger than the Start or SME guarantees cover.
An unsecured loan for green-transition investments. It can be combined with energy aid and development grants.
An unsecured development loan for cases the bank has turned down. Since mid-2026 it also covers dual-use technology.
A direct growth loan introduced in 2026 for micro-enterprises that cannot obtain bank financing.
Subordinated (mezzanine) finance for larger growth, internationalisation or ownership projects, sitting between bank debt and equity.
A personal loan to a founder for buying or subscribing shares, often used in ownership changes.
Finance for establishing or expanding operations abroad, such as a subsidiary or joint venture.
Finnvera's export trade-finance guarantees, covering buyer credits, bonds and export receivables.
