A subordinated loan defined in the Finnish Companies Act. It is repaid and pays interest only from distributable funds and ranks behind all other creditors, and in return it counts as equity when the balance sheet is assessed.
It is the fastest way to fix a weak equity ratio without an ownership change, and often the key that unlocks the rest of the stack.
A right to buy shares later at a price agreed now. Venture-debt lenders typically take warrants as part of their return.
The cheap loan carries hidden dilution, so price it in when you compare options.
The unrestricted equity reserve of a Finnish limited company, money invested into the company without issuing new shares on day one. It is the standard route for founder and investor contributions, and the usual legal wrapper for SAFE-style investments in Finland.
Money comes in quickly without a valuation or new shares up front, but put in writing what the investor receives later.
Share capital and other equity the owners have actually paid into the company. Business Finland uses it as a solvency check, and the Sprint grant requires at least €50,000.
A funding round or capitalisation may be needed before the application, not after it.
A package that combines a grant with an equity investment. The EIC Accelerator is the main example, with up to €2.5M in grant plus a €1–10M equity ticket from the EIC Fund.
You apply once, but you take on an investor as well as a grant, so plan your ownership around it.
