Kredita is a Finnish business financing comparison service that runs a competition among 15+ financing partners (including Alisa Pankki, BusinessCredit, Capital Box, Svea) for business loans, invoice financing (factoring), business credit lines, real-estate loans, and equipment financing. The service is completely free for the applicant.
Kredita has already run competitions for over 8,000 Finnish companies and arranged more than €290 million in business financing in total. Google rating 4.8 / 5.
Who is Kredita for?
Kredita is suitable for you if you are a representative of a Finnish company looking for a business loan, invoice financing, business credit line, real-estate loan, or equipment financing – and you want to compare the best offers from several lenders with a single application. Minimum turnover €3,000/month (€36,000/year).
Features
- Business financing €1,000 – €3,000,000
- Loan term 1 – 60 months
- Application in approx. 5 minutes – offers within a day
- Money in your account typically within 1 – 10 days
- Service 100 % free for the applicant
- 15+ financing partners (Alisa Pankki, BusinessCredit, Capital Box, Svea, etc.)
- Personal financing advisor for every applicant
- Products: business loan, invoice financing, business credit line, real-estate loan, equipment financing
Pros and cons
Plussat
- Runs the competition for you – one application, offers from several lenders
- Effortless process – application in 5 minutes
- Completely free for the applicant
- Diverse products: business loan, invoice financing, business credit line, real-estate loan, equipment financing
- Wide loan-amount range (€1,000 – €3,000,000)
- A personal advisor helps you choose the best offer
- New companies welcome (with a business plan)
- Excellent 4.8/5 Google rating
Miinukset
- Only for business customers – no personal consumer loans
- Requires at least €3,000/month turnover (€36,000/yr)
- Not a lender itself – the final agreement is made with the financier
- Process takes 1 – 10 days (not "money the same day")
Loan terms
A company registered in Finland: sole trader (business name), limited company, limited partnership, or general partnership. Turnover at least €3,000/month or €36,000/year. Signing authority in the company. New companies (under 12 months) are welcome with a business plan.
Possible costs
Kredita's service is completely free for the applicant. Kredita receives a commission from the chosen financier. Typical costs for business loans from the financing partners: APR 4.5 – 15 %, opening fee 0 – 2 % of the loan amount. Business loan interest is tax-deductible in business taxation.
Application process
1) Fill in the application at kredita.fi or try the credit-limit widget at app.kredita.fi/loan-widget (approx. 5 min). 2) Identify with online banking credentials. 3) Kredita runs the competition among 15+ financing partners. 4) You receive offers within a day. 5) A personal financing advisor goes through the offers with you free of charge. 6) Sign the agreement with the chosen financier digitally. 7) Money in your account within 1 – 10 days.
Repayment
Repayment happens directly with the chosen financier (Alisa Pankki, BusinessCredit, Capital Box, Svea, etc.) according to the agreement. Typically an annuity loan with a fixed monthly instalment. A business credit line is flexible – you only pay interest on what you use. Early repayment terms vary by financier.
Customer experience
Google rating 4.8/5 (100+ reviews). Over 8,000 companies competed for, €290+ million in arranged financing. Praise: application speed, the personal advisor, the free-of-charge service.
Loan example
Example: €40,000 business loan, repayment period 48 months, effective annual rate 8.9 % → monthly instalment approx. €993, total repayment approx. €47,660.
Frequently asked questions – Kredita
What is Kredita?
Kredita is a Finnish business financing comparison service that finds the best business loan, invoice financing, business credit line, real-estate loan, or equipment financing for your company from a network of over 15 financing partners with a single application.
Does the service cost anything?
No. The service is completely free for the applicant – Kredita receives a commission from the chosen financier. The applicant incurs no charges from the competition.
How much financing does Kredita broker?
Business financing €1,000 – €3,000,000, repayment period 1 – 60 months. Money in your account typically within 1 – 10 days of the application.
What are the requirements?
The applicant must be a representative of a registered Finnish company (sole trader, limited company, limited partnership, or general partnership) and the turnover must be at least €3,000/month or €36,000/year. New companies are welcome with a business plan.
Can I check my company's credit limit before applying?
Yes. Kredita's free loan widget at app.kredita.fi/loan-widget tells you instantly how much financing your company could get. The calculator has no obligations.
