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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.

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

SME Guarantee

A collateral-free guarantee on bank loans for established, financially sound SMEs, covering working capital and investments.

Key facts

  • Provider: Finnvera
  • Type: Guarantee
  • Typical amount: €10k–200k per guarantee (€300k ceiling)
  • Rate / terms: up to 80% cover, no collateral needed
  • Legal basis: De minimis
  • Who it is for: Micro to medium companies · investment, working capital, digitalisation, R&D

Finnvera Guarantee

Finnvera's general guarantee for financing larger than the Start or SME guarantees cover.

Key facts

  • Provider: Finnvera
  • Type: Guarantee
  • Typical amount: from €10k, no fixed max
  • Rate / terms: typically 50–80% cover
  • Legal basis: Case-by-case
  • Who it is for: Micro to large companies · investment, working capital, energy

Export credit guarantees

Finnvera's export trade-finance guarantees, covering buyer credits, bonds and export receivables.

Key facts

  • Provider: Finnvera
  • Type: Guarantee
  • Typical amount: transaction-based
  • Rate / terms: commercial risk ≤95%, political ≤100%
  • Legal basis: Export credit rules
  • Who it is for: Small to large companies · international growth, working capital